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Northern Rock Interest Only query
Hi all Just a quick question as follows: I am currently on a temporary 12 month switch to interest only with Northern Rock. Very soon the 12 months will be over and I will be put back on to full repayment terms. Before I waste any time applying I wondered if any NR customers have ever had any success with applying for an…
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FTB, needing mortgage to cover deceased father's house.
Hi all. I could really use some advice. My father passed away over 3 years ago, and the solicitor is still dealing with the estate. There is approx £17K left on my dad's house, which is my nans home. I need to cover this, however have debts of my own. I have had a quote for a £45 mortgage to cover the house, and all debts,…
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Mortgage protection unemployment
I was made redundant at the end of May and thought I had protection for the amount of £400 per month against my mortgage. However, the company who I thought I was covered by, Shelter Group, rejected my claim stating that I had been offered an alternative position which I should have taken while looking for alternative…
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Mortgage Help
Me and my partner are currently in the process of selling our own homes to get a joint mortgage. We are planning to use equity from my partners house as a deposit. However I am currently in a debt management plan for unsecured debt which I am slowly paying off. Due to my credit rating my partner is going to take the…
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FTB Mortgage LTV 95%
Hello, I'm looking to buy a property for up to £120.000. Do you know if there are any LTV 95% mortgages on the market ??? thanks
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anyone gone 'let to buy' on a house they can't sell?
hi, my EA is recomending we go 'let to buy' on our house which has been on the market nearly 12 months. Before i agree to talk to their in house mortgage broker (talk, not commit!), i thought i'd ask here for any advice / opinions. the idea of retaining an asset like this and not loosing any of the equity we've earnt…
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Getting a larger mortgage with Debt
Hey, I have a mortgage with Northern Rock for £88,000 fixed at 5.99 until April 2011 (it was over 5 years) it's a together morgage with a unsecured loan of £27,000. My Flat is now worth £110.000. I also have a secured loan with picture!! £36.000 ( i've had this for 4 years) and then around £20,000 on credit cards. I moved…
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for sale sign?!
heya, so long story cut short.. Me and my partner put in an offer on a house.. It was accepted and the for sale sign was changed to sold.. I did think it happened a bit quick! Anyway, we then got declined by the mortgage company.. As my partner is part time self employed they would only accept 50 percent of the business as…
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Removing Name From Mortgage
Hi, I have put this question to the forum once before, about 3 years ago and never really got an answer, still in the same position I'll throw it in again and hopefully someone can point me in the right direction. My grandmother purchased a house with my uncle - her son 12 years ago and took out a joint mortgage with the…
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Negative Equite Sales and Savings - Please help
We have been trying to get some good advice on how to manage our proerty situation and don't know where to go. Can anyone help, or point us to the right advisors. My wife and I both have good professional jobs. We acquired our new build flat in August 2006 for £249,000 with a mortgage of £234,000. We estimate that it is…
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ing direct
Just wondered if anyone has ever had an experience with ing direct mortgages am already a customer with them & have been quite good just wondered if they were quick or slow to deal with as it is all through post & over the internet never really considered this option before.
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FTB, will i get a mortgage?
Well basically me and the better half are looking to get our first home. We have saw one we like for 90k, but the EA thinks an offer around 85k would be accepted, which we both feel we can easily afford. Im a graduate and have been in work for 4 months, my fiance has a solid job for the past 5 years, total income is 33k.…
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getting a mortgage when pregnant? Set my mind at ease
Can anyone help?? I am having a mini panic at the moment. My home is currently for sale and the plan was sell and buy a bigger 'forever' home for us all. I currently have 25-30% equity in current home and maybe more by redemption date as i'm overpaying quite alot each month. Small problem is a 'forever home' will cost £££…
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Loss of Deposit - HELP
Hello Everyone I would like some advice on my situation that occurred last year. I was in the process of buying one bedroom flat in London last August. I went with a broker who found me a mortgage with a popular high street bank and the mortgage offer was valid for 6 months. I passed the credit check and the conveyancing…
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How much deposit
Hoping to buy a house in about a years time and wondering how much deposit I should aim for. So far I have about £3500 saved from my job and a bit of GIOL activity and my missus has managed to save the princely sum of £200 and still has outstanding credit cards. We're looking around the £150-200000 mark, anyone have any…
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First Time Buyers
We're looking at buying our rented house but don't really have a deposit. 1 of us has been made bankrupt but has been released from it a while ago. We are looking at how much we could borrow before we go to our landlord because we know he didn't pay a lot for the house so the sale price shouldn't be in excess of £100,000,…
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sub contractor
My partner is a sub contractor he has a contract with a company who pay his tax all he has to pay is his national insurance i think he is classed as PAYE the HSBC would have lent us the money we needed no problem on this but they wanted more documents for the amount of money needed from my employer which i couldnt get or…
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Payment Holiday?
Hi guys, I'm about to be made redundant from work so obviously I'm desperately trying to get my finances in order, my question is do you think that if I rang up the mortgage company they would let me take a payment holiday for a couple of months? I'm with Santander and not in any type of deal at the moment as im on the…
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What's better: a large credit card or loan balance
Hello all, In preparation for applying for a mortgage, I'd like to know your thoughts on the best way of dealing with my existing debt. I have a loan with £6,000 left to go on it and I'm paying just under £200 a month. The way I understand it, banks focus far more on the amount I can afford every month than the total debt…
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100 mortgage for people on benefits?
Basically, my husband and I are unemployed - I'm disabled and he is my full time carer. We receive benefits. Could we get a mortgage? We don't have any money for a deposit.. but I'm wondering if it is actually possible to get a mortgage as we're sick of renting.
