Mortgages & endowments

Discussion List

• Endowment Shortfall - Mortgage with A&L

  I have a 5 figure shortfall with my endowments. Mortgage ends on 30th November - 5 year fixed of 4.45% from A&L Anyone advise what rate I might be offered from A&L if I borrow from them for the shortfall Hope someone can advise ta

• Mortgage application Halifax vs NatWest. Which is quicker?

  I need to make a quick mortgage arrangement. I can consider Halifax and NatWest. How long do they normally process the mortgage applications? I've got a clear credit history, and deposit more than 30%. And I also have a mortgage promise from Halifax if that makes any difference. Does anyone have an experience with these…

• Mortgage and student loan

  Hi in the near future I am thinking of getting a mortgage for my own place just to try rent out and then maybe move in later but I have a student loan nearly 13k-14k Will this be an issue when I apply for an mortgage and if yes how much of a issue will it be? would it be wise to pay it off quick as possible?

• Restructuring a mortgage due to unemployment

  Hi I hope someone can advise us. I accepted voluntary redundancy with lump sum at the end of May this year and and have been paying my mortgage payments from this amount. Its been tougher than I thought to find employment and sooner or later I will run out funds. Can anyone advise 'restructuring' schemes actually exist to…

• Moving mortgage from santander to chelsea bs

  HELP! My remortgate was supposed to complete on 1st October 2010 and i paid a TT charge for the funds to be transferred from the Chelsea BS (my new mortgate provider) to Santander. It is now the 4th October and Sandtander are saying that they still have not received the funds. When I speak to Santander I just get informed…

• Will we get a mortgage.

  We have managed to save a deposit for a mortgage. Do we have any chance of getting a 95% mortgage against a £100k now. Some back ground - Partners Credit file is spotless, had 3 car loans, had a bank loan and 2 credit cards. She only has the car loan now, the rest are paid for. Me - 3 defaults all over 5 years old and…

• Can I get a mortgage with previous defaults on accounts

  Hi Does anyone know if you can get a mortgage with previously settled defaults (on unsecured loans/cc's etc)? I have defaults from 3 yrs ago, I'm hoping to settle the accounts when I sell my house (in a couple of yrs) then move in with my parents for a few months. Would I then be able to get a mortgage the same year as the…

• post office mortgage for foreigners

  hello, i am eu and lived and worked in uk for the last 5 years. my husband is non uk non eu. lived in uk for more than 7years. now has got visa as eu family member, it was issued for 5 years,still 2+years remaining. both working full time. got 15% deposit. buying property for 100k. is there any one that applied with post…

• Remortgage and prove income

  My fix Mortgage will finish in Nov 2010 and I spoke with them yesterday and I been told only they can offer me 5.5 % Interest only. I was thinking to change my lender to other bank. My Q is: Do I need to prove my income to new lender. I never miss payment in my mortgage and other bills. My income at the moment in 40000 PY…

• Cashing in Endowments

  Does any one know the best way to do this. I am in a position that I need to get some of the money out of my endowment, but I can not do it in bits so it seems that I will have to cash it in. is it better to deal with the policy holder or one of these companies that buy it off you. Or is there another way?

• First time buyer mortgage issues

  This is the mortgage we have been offered 2year fixed rate at 4.89 product fee £990 valuation fee 355 we are mortgaging 136000 over 25 yrs with payments of £790 My concerns are that we can handle this payment but after the 2 years have expired what if interest rates are much higher? Does this seem a good mortgage deal for…

• First time buyer mortgage issues

  This is the mortgage we have been offered 2year fixed rate at 4.89 product fee £990 valuation fee 355 we are mortgaging 136000 over 25 yrs with payments of £790 My concerns are that we can handle this payment but after the 2 years have expired what if interest rates are much higher? Does this seem a good mortgage deal for…

• joint mortgage question

  hi all, sorry if this has been asked before, i couldnt find a previous thread for it. i have more savings than my partner and am willing to put them into our deposit fund for a mortgage, however i know of friends who have been burned by this in the past. is there a contract or similar that can be drawn up so that if the…

• Tax implications on joint mortgage

  Hi All! Wondered if anyone can help me for the below situation. I live in a flat that I am currently lucky enough to own outright. However, for various reasons I now need to take equity out of the flat so I am looking to remortgage. The problem is that I don’t have enough income to get a mortgage right now so my Dad would…

• LTV Question

  Hi, I'll apologise now for being dim but here goes - if my house is currently worth £175k and my mortgage is £86k then what is my LTV? Can anyone answer please? Thanks

• Full Survey - Bank or independent

  I am buying an old house and would like a full survey rather than just a valuation. Would you recommend going through the lender for this or should I find an independent surveyor? Any experiences welcomed. I am looking at the offset account with First Direct and their full survey seems quite expensive compared to going…

• 1st time buyer question

  Hi, I am looking to buy a property with my partner and we are first time buyers. We are fortunate enough to have a decent deposit (around 40%) and want the best mortgage deal. Are we limited to just first time buyer mortgage deals or can we take any deal on the market, including those aimed at remortgages? These rates and…

• Mortgage - Transfer of equity / removing name from deed

  my ex boyfriend and i bought a property last year. shortly after that he moved abroad and unfortunately cut off contact. he claims that he would agree to a transfer of equity. i carried out the outstanding renovations and pay all the bills myself, but he still contributed to the mortgage for a few months. i discussed the…

• Looking for a mortgage advisor/broker

  Hi Not sure if this is allowed on here......sorry if its not Looking for a broker (whole of market and fees free) either in the Manchester or West Yorkshire area who could take me through the process Please shout up if you are in area Cheers

• Mortgage after an IVA

  HI all, Will it be possible to obtain a Mortgage after an IVA. My IV has been concluded 2 years 4 months ago and will have a 20% deposit.