-
Change repayment mort to interest only
Hi I have a 5year fixed rate repayment mort with Nationwide - due to end May 2012, this has always been paid on time. I was made redundant in Aug 09 and have been using my redundancy to help pay towards our mortgage and bills as my husband does not earn enough to pay everything. I recently spoke to Nationwide to see if…
-
Change repayment mortgage to fixed
Hi I currently have a 5 year fixed rate mortgage with Nationwide, the deal is due to end in May 2012, which has always been paid on time with no payments ever missed. I was made redundant in Aug 2009 and have been using my redundancy to help pay the mortgage as my husbands salary is not enough to pay the mortgage and bills…
-
Can't find a mortgage
Hope that someone can help. I have been abroad for six years, we would like to buy a house and cannot believe how tricky it is these days. We have been back in the UK for three months. My wife is self employed but with no tax history in the UK. She has been earning for three years in pounds paid into our UK bank account…
-
Part exchange.
Hi everyone. I am a home owner but i bought my house 7 years ago when i was 21 and it happened so quick it's all a blur now. We are wanting to move after our wedding in April and are very interested in getting a brand new house. We bought our house for £65,000 and at the moment they seem to be up for around £95,000. The…
-
Possibility of Extension of Mortgage Offer Date
Good afternoon, I would like to ask for advise on behalf of a friend please. My friend has a Mortgage Offer in place from Brittania with a deadline of 1st November. Due to a delay in one of the sales in the chain, this deadline is now not going to be met. Is it best to call Brittania to ask for an extension of this date?…
-
mortgage help
hello everyone i have had a self certification mortgage for around 3 years and obviuosly paying high rate, was wondering whether it,s possible to change to normal mortgage now.
-
When should I start looking into a remortgage?
Hi Experts! My fixed rate runs out on 3rd June 2011 - I remember my last remortgage taking longer than expected (though I dont know how long). When should I start looking into new rates etc? I'm currently paying 5.79% fixed and hoping to get a good deal this time maybe even trying a variable rate though they scare me a…
-
What am i looking for? (type of mortgage)
I'm buying another property to move into, but i'm confused as to what i am with regards to mortgage comparison sites etc. I already have a mortgage, so not FTB, i'm not remortgageing.
-
Leave mortgage? Please advise...
Husband and I bought our first property in June 2009, which at the time was valued at £195k, and the mortgage was for £135k (66% of property value). We have a mortgage with the Scottish Building Society which is fixed for 5 years at 4.89% over 25 years. I wanted the long-term fixed rate as I suspected that interest rates…
-
HSBC undervalued my house!
Im looking for any tips or advice following HSBC's ridiculous valuation on my house... Im in the process of re-mortaging my lovely 1 bed flat in London and i asked HSBC (my current mortgage lender) to re-value my property (they would not use outside valuations... for obvious reasons that i now know). I was hoping to get a…
-
Overpayment of Nationwide mortgage
Just after some information if anyone can help please.... We are on a fixed rate mortgage with Nationwide and understand we can overpay by £500 per month. The mortgage goes out on the 16th of each month - so do i have until the end of the calendar month to make the overpayment or until 15th of the following month? ie.…
-
I need help with first time buying.
My girlfriend lives with her grandma, and her grandma wants to sell the house to us, it is already paid for and she only wants £80.000 regardless of the value, how do we go about buying this from her? We both dont have any knowledge about morgages oy buying property, some advise would be gladly appreciated. Thanks.
-
Nationwide Tracker - collar
I have a two part mortgage (2 remortgages) the first is 0.34% above base rate the other is 0.74%. The are currently sitting at 2.34 and 2.74 as Nationwide lowered their collar to 2%, then stopped passing on the lower rates when the BoE rate reached and passed 2%. You probably knew all that... My question is, if/when the…
-
Ground Rent for a Flat - Please Help :(
Right, bit of a problem I've come home to... I live in a Flat, when I brought this place I was told that the ground rent was paid until the start of this year, turns out is wasn't and I was forced to pay a lump sum a few months ago. Now, I had a letter last week telling me that the next year (in advance) was due…
-
Good mortgage advice please !!!!
At present we have a mortgage with GE money, we have had bad credit history in the past, through a ccj that was paid off 3 years ago but we understand that it stays on your file for 6 years ! Because of this getting a mortgage is proving very difficult. We have no choice but to move as our home is in a re-generation area…
-
First Time Buyer Mortgage -HELP!
Hi my partner and I are trying to find a first time buyer mortgage. We don't have a huge deposit and ideally 95% LTV would be what we need but at a stretch 90 LTV. Any ideas My partner is self employed but does also get paid PAYE for certain schools he teaches at (he is a peripetic music teacher). Really need some advice…
-
2 mortgages, 1 flat!
Due to an admin error at HSBC, me and my sister have two mortgages for our flat. They are both full capital repayment mortgages for equal amounts. It is a result of our initial application for a part and part mortgage being refused. I tried to rectify this situation almost immediately, but was told it was not possible to…
-
Opinion wanted about Mortgage application
Wondered if you could give your opinion on this matter and help us make a decision as to whether we take this further. We had a mortgage with Santander and decided to move house, they told us at that point that we could borrow £15,000 more than our current mortgage with them. When we found our house and made an application…
-
2nd residential mortgage
Any help would be greatly appreciated. I currently have a residential mortgage for my wife and I, but I wish to buy my mothers house. She is going to continue living there and paying the mortgage, but it will be considerable lower payments in my name as her current lender is ripping her off due to her age. Is there any…
-
Interest only - make overpayments or change to repayment?
Advice needed please - currently on 5 year fixed rate NR together mortgage (which is due to end Dec 2011) paying interest only. Just been awarded a promotion with a £200 per month payrise and want to put this towards my mortgage. Wondering whether to stay on interest only and make overpayments or whether to swap to…
