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FTB going for Repo House
Hi, My wife and I have found a repo house in great condition, at a great price. Have made an offer on it which has been accepted, now the estate agents dealing with the property have informed me that now the offer has been accepted, the agency in possession of the property wants to complete within 28 days. This has pretty…
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Aviva Endowments,advice requested
I currently have 3 Aviva 'Homemaker' endowment policies the first of which was taken out in December 1986 and matures in December 2011,the other two mature in early 2012.Each policy is backed with the 'Mortgage Promise' Together the sum assured is £46,000.The first mentioned policy being the largest at £26,000 sum assured.…
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Mortgage for £18000
Hi, I would like to buy a garage and convert it into an office. I don't currently have a mortgage and would like to get a small £18000 mortgage to buy it. Does anyone know if this is possible? Do people do mortgages so small or would it have to be a personal loan? Not to sure about the personal loan route really. Matt
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Applying for Mortgage - offered further credit
Just a quick question... We're looking to secure a mortgage in April 2011 and we've told them we're going to clear all our credit before then easily. Now my credit card company have raised their limit from £1400 to £1900 - do I accept it or reject it? Which is better for my credit rating?
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4.24% 4 year fix with no booking fee - should I bite their arm off?
Hi, We've got our mortgage with Santander (boo-hiss). Currently on a 5-year fix, paying 4.89%, which will end this coming Jaunary. They are offering to let us remortgage now with no early redemption penalties. We want another reasonable length fix and they're offering a 4-year fix for 4.24% with no booking fee. This sounds…
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Endowment - Time to Surrender?
Deleted - no responses
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Fixed mortgage ends in December what should I do
My 2 year fixed term ends in December and I dont know what do for the best. Basically I fixed the term of the mortgage for 2 years at 6.13% just before the interest rates slashed, lucky me - NOT! Anyway I am currently paying £530.00 a month (interest only) and I have about 10% equity in the property. I doubt very much I…
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silly question - re mortgaging
Right, can someone enlighten me please. Me and OH have a fixed mortgage with Natwest for 5.99% ends in 2014. Since we got the mortgage last summer our credit rating has gotten worse (not getting accepted for CC or Loans or increased overdraft etc etc), which is our own fault and we are trying to rectify this. Will this…
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House Valuation - Quick Question
We are currently trying to transfer the equity in the house in to my sole name and Alliance and Leicester have said that due to a high LTV that it will not be possible with out a capital repayment. My question is, other than paying the £90 to have the house valued by A & L what is the most accurate website/calculator to…
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Mortgage charges plus Nationwide
I don't know if anyone else has experience of this but I am not only shocked by what has happened to me but also angry. I also think that someone somewhere should be changing laws to stop it happening but don't know what to do. Basically I knew that I was getting to my overdraft limit so paid in a £1K cheque to lower it to…
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Mortgage dilema, whats the safest way
We have seen a house we love :T and are just trying to do some figures. The house is £210000 and we have £34600 in savings. Now the house will need to be extended immediately by way of an extension or conservatory and would set aside £10000. I am aware it may cost slightly more than this. Now where the dilema lies is- Do…
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Changing to different rate after mortgage offer has been made
Hi, Just been had application approved for HSBC 90% 2 year fixed rate mortgage and paid the application fee of £599 on my debit card. However, just seen that not only have HSBC dropped their application fees for a 90% mortgage to £99 but they have also drop their fixed rate to 5.09% from the 5.49% we orginally agreed. I…
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any way to find out previous accepted offer
Looking at houses at the moment and saw one I quite like. I know they have just had the chain collapse on them and need to sell. Is there any way I can find out what the accepted offer was to see where we should pitch ours?
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Equity Release to cover care costs.
One of my neighbours is over 80. His wife has just died and he is not in very good health. He has carers three times a day to ensure that he gets up, eats and goes to bed. His family are considering care homes but these are more expensive than agency care at home and he does not want to leave home yet Can anybody recommend…
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Can you have 2 mortgages
Very simple question. We have a mortgage but would like to buy a property jointly with our son. Can we hold 2 mortgages. We do not want a buy to let one. Many thanks in advance.
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Buy to Let highest Loan To Value
Hi, Doea anybody know who gives the best loan to value (ie the highest percentage %) for Buy to Let mortgages. Also any recommendations of good companies to use would be very grateful. Many thanks in advance
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Reduce payment
This may be a stupid question. If I pay a small lump sum to my fixed rate 3 year mortgage would the lender allow me to reduce the monthly payments?
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need help paying mortgage
hi,there just recenetly been told by my firm that we have to work a week on then a week off without pay,now i have to pay a repayment mortgage of £708 a month where as i wont be able to afford it,i suppose i have the option of renting but the house is not yet habitable,does unemployment mortgage protection insurances cover…
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Small Remortgage Fix Ends 31/07/11
We are on a 5 year Britannia, now Co-Op, fixed rate mortgage that is due to end on 31/07/2011. That we have been fortunate enough to overpay for most of the loan period. The facts about the current loan. Original Loan £57000.00 Interest rate 5.04% Required payment £605.69 pcm Our Payment £800.00 pcm SVR 4.24% I have spoken…
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FTB, brokers and post office mortgage
Hi guys. I am a FTB and I have been to about 6 mortgage advisors. Be they Estate agent ones, L&C, independants etc. they all come back with the same ish mortgage. Thing is, I can get an 85% LTV with the post office at a better rate but im a little (very) wary about going it alone. All the advice is to go with a broker for…
