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Hsbc 90% ltv
Hello all, HSBC seem to offer the best 90% LTV mortgages (both the tracker and 2 year fixed) available and by miles. The product fee also seems really low (£99). Is there a catch? e.g. hidden costs? are HSBC any worse than you're average mortgage lender in the way they treat customers? more generally, is the deal as good…
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Advice on retention service fees..
I have paid off my mortage and the Building Society are trying to charge me £105 to be excluded from the Account Retention Service and to have my mortage deeds & documents sent to me. Do I have to pay this? Or, are they trying to rip me off? Advice would be much appreciated please :o thanks
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Not sure what to do
Hey I'm on the Bank of Scotland SVR paying 3.5 % at the moment. I'm not currently working, although i'm hoping to find work in the next few months and have around £10,000 in savings. I'm not sure whether to look for a new mortgage deal now and if so, whether to make a lump sum overpayment to improve my LTV. Am confused and…
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Help... Mortgage advice for someone with no clue.
Hi would appreciate some advice on a couple of things. Have recently been given notice that I will lose my rented house in just under six months time... currently live alone with my son but want to move in with my lovely boyfriend. Looking around the area I live in rental prices have gone ridiculous and we are hoping to be…
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Help... Mortgage advice for someone with no clue.
Duplicate post, sorry.
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Help.....Credit Check Failed for Mortgage Application!
Hello Can anyone help. I earn £12,000 per year, own two flats with no mortgage(FLat 1-£100,000 Flat 2 £160,000) and want a small mortgage £15,000-£20,000 to consolidate overdraft and credit card debt. However when I applied for loan my credit check was failed. I dont know why. Is there anyway to get my mortgage?
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BTL Mortgage
Hi All, Hopefully somebody can help. Me and my brother have been left a 2 bed bungalow which is worth approx £180k and could be rented out for approx £600 pcm. I think we could earn more money if we could take out some of the capital from the bungalow and use it to buy 1 or even 2 more properties and rent them out as well.…
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Mortgage advice/guidence
I have just recently started reading some posts on the forum and was after a bit of advice because I’m not really sure where to start so please bear with me. Currently I am living in a rented house and have quite alot of debt which has managed to accumulate over time. Between a loan, credit cars, HP and our car we…
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remorgaging against current vale if house.. confused?
Hi! I'm wondering if any of you mortgage bods can give me some advice.. I am considering a hypothetical situation here that we may be in in the future.. Say we buy a house for £100,000 on a 95% mortgage. In 3 years time, after all our mortgage deals run out we have increased the value of the house to £150,000 due to work…
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Acceptance likelihood?
Hi MSE folks, I've heard many stories, and there are also plentiful threads of woe on these forums too, regarding the difficulty in obtaining mortgages in the present climate. So, just as a rough guide for myself to try and prevent any future heartache, how likely am I to be accepted in the circumstance below? Fully…
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mortgage advice
Hi, We have recently moved house and currently have a two part prtgage with Nationwide. The first was an existing one which is currently at 2.5% and the top up bit is about 6%. The original section has the ability to take payment holidays of up to a year - we would like to take a payment holiday and overpay on the higher…
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Grrrrrrr Halifax Customer service
What happened to good old fashioned customer service? I'll try and keep it short. Called in August to increase my morgage payments from £600 to £800 a month with effect from October's payment. This was done via the phone and everything seemed in order. My next payment was due on the 11th Sept, but not collected. I left it…
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Help with mortgage PLLLEEEAAASSSEEE!!
hello im on here as a last resort, i have lived in our house for around 9 years and sadly my partner and i have decided to seperate, i want to keep our home and need to buy him out, at the min we are on a interest only mortgage and pay just £55 a month on a 95k mortgage, he wants 50k to buy him out (house worth about 180k)…
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Mortgage issue!
Me and my wife bought are apartment around 4 year ago, before the housing market crashed. We got a repayment mortgage but over a year ago I lost my job in construction and because of the state of the housing market I have still not been able to get a construction job so have been driving a taxi to try and make ends meet.…
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Do Yorkshire BS do 30 years Mortages for FTB
Hi There, Just wondered if Yorkshire normally do 30 or 35 year mortgages for First Time Buyers. Many thanks
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MPPI by Barclays wont pay until on a course to find a job
Hi I was wondering if you could help me. My parents are both 63 years old and my mum took early retirement on the grounds of ill health 2 years ago and my dad who has always been self employed since the age of 20 since the recession hasn't worked for over a year. my mum receives her pension, DLA of around £18.00 per week…
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Bank seems to be extending my Fixed Rate by 3 months - can they do this?
My 2 year fixed rate mortgage agreement from 2008 states that "this offer assumes that the mortgage will start on 1/02/09" and my first payment will be followed by 23 payments before switching to SVR. However our first payment was actually made 2 months before this, meaning that we will have made the 24 payments on 31st…
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How long will it take to get a decision?
Hi all, My partner and I got an AIP with Abbey last month and had an offer accepted on a house a few days later. We provided the proof of income requested by the lender and the broker asked us for the details of the EA so the valuation survey could be booked asap. Everything went quiet and then a couple if weeks later the…
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Mortgage or Remortgage from family loan
Last year my wife and I bought our first home together with help from my parents. We couldn't get a decent mortgage even though we had a high deposit and therefore my parents lent us the money. Currently we are paying them back monthly with interest and have drawn up a mortgage agreement between ourselves. We are now…
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Mortgage to buy building plot
Hi there, wondering if someone can help us - currently have been trying to get on the property market, have a mortgage promise etc for when the right house comes along. Have planning application for a house on my parent's land but this has not to date been successful. We have now seen a site (with full planning permission)…
