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Remortgaging and relocating to US
Hi all We are in a bit of a dilema which is stressing me out... We are currently with Nationwide on their low variable rate after coming out of fixed rate a year ago. Also we are off to US on Thursday for a job interview with a company who is looking to sponsor my husband on a work visa. We also have about £20k of debts.…
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Mis sold mortgage help!!
Most of the replies i received were unhelpful and some i found quite offensive. I asked for advice not to be abused - very disappointed.
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MSE News: Mortgage rates hit record low
This is the discussion thread for the following MSE News Story: "The cost of tracker mortgages fell during September as competition continued to return to the market. Research also suggests some fixes are at record lows ..." Read the full story: Mortgage rates hit record low
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save for wedding or pay down mortgage?
Hi all I'm after a bit of pragmatic advice. (which does not include being told don't spend any money on your wedding, I'm going to no matter what!) I am currently saving up for my wedding next summer, putting away £350 per month in an ISA. I have just got a 0% till October 2011 credit card which I have put the deposit for…
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Change Mortgage into Joint names
What do I have to do to change my mortgage into joint names with my husband??
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No mortgage, how do I release money to buy property?
Hello I’m after some advice please. My partner and I own a property which is valued at £70k; we have no mortgage on it as it was bought cash. We rent this property out and are living with my partners’ parents, but are now looking to see if we could buy a property for ourselves to live in. I am after information on how I…
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Advice needed! Do i come clean about my credit card debt?
Hi Guys, First time poster here. I'm in the process of trying to buy a house and have applied for a mortgage with the Co-op. I've been saving away for years and have managed to save 35% deposit. The amount I'm asking to borrow is about 3.9 times my salary. This would be my second mortgage as I already have a mortgage with…
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Re-Mortgage Advice Please
Hi, We currently have a mortgage with the Skipton BS, our fixed mortgage has ended so we are on their high SVR of 4.99%. As we are looking to move house in the new 12 month we do not know wheter tos remortgage our current home to a cheaper product or stop on the SVR with the skipton, keeping our options open until next…
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Breaking up, what happens now?
Hi all, I just bought a house with my then girlfriend. We moved in last month and now we are breaking up. I know, crazy. I'm really worried about the house and mortgage. I do want to keep it if at all possible. I can afford the payments but I'll have very little diposable income left so I will likely get a lodger if the…
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Self Employed Mortgages
Hello Does anyone know the options available for Self Employed WRT mortgages? We always used to get Self-Cert mortgages, but not sure if they are available anymore. We have a mortgage of £160k fixed until 2013 with redemption fee, but we want to burrow more to do up the house, which we paid £340k for in March 2010. My OH…
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'Additional' mortgage? Please Help
Hi, Hope someone can shed some light on this as to whether it's possible or not. Currently have a mortgage (approx £57,000) with A&L on a 1.5% rate (no tie ins etc....it just jumped down to this when we finished the discounted rate). We're wanting to find an additional £80,000 to build an extension, new kitchen & clear…
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Best free mortgage search engine?
Hi, JohnCharcol used to be free, but no more. What would be the best free search engine with the widest coverage, and who are the independent providers (like firstdirect) who are never covered by the engines? Thanks!
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porting my mortgage
my mortgage company Clelsea, has allowed me to port my existing mortgage deal. when we took the mortgage out we had a cashback element on a 5 year deal. we are due to move soon, 3 years into the deal. if we vacate our current property before buying another do you think the mortgage company would allow to defer the cashback…
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CIS 25 year endowment - terminal bonus
I have 3 endowment policies with the CIS which all mature in around 4 years time. A 25 year, 22 year and 19 year. These were planned to be linked to my mortgage but I gave that thought up years ago! Anyway I plan to ride these out and although the annual bonuses are poor to say the least I'm still hopefull of a decent…
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Getting a mortgage when employed temporarily
Hi, please can anyone tell me if I'm likely to be able to get a mortgage when I'm on a fixed term contract for a year and my fiance is on a permenant contract? I had no credit rating as I'd never had a loan or credit card but I'm currently trying to build up some history. No problems with money in the past so I'm hoping…
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Halifax forcing me to change mortgage
Help please if anyone can? We have had to move house to a new area for work - We are going to rent our house out and have approached Halifax for permission to rent - They are making us change our mortgage from a standard variable to a tracker - charging us a fee and the end result is our mortgage will be approx £100 more…
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Get Mortgage agreed first or find Property
Hi just wondered which way around you should do things. Get an in principle mortgage first or find a property first. Many thanks
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Best 5 Year Fix.. First Time Buyer.. 75% LTV
Hi My son is looking to get a mortgage. Does anybody know who is doing the best 5 year fixed for first time buyers at approx 75% Loan to value. Many thanks
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Looking for a suitable mortgage by myself - Please help
Hello all I hope someone can help me here. I am looking to buy a place and have a 20% deposit . I met up with the EA mortgage advisor as per EA suggestion but realised they charge £150 to find a suitable mortgage from a limited panel of lenders. Surely I thought this charge is not fair as they are not looking at the entire…
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Is this the best fixed rate around?
Hi, Can anyone out there better the below mortgage rate offered by HSBC? If so the contact me back with details please. Appreciate the help 5 years Fixed 3.94% Booking Fee - £99 LTV - 60% or 2 years fixed 2.89% Thanks Rooban :beer:
