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HSBC Remortgage
Hi I have a mortgage of around 26k property worth about 90-95k. The HSBC base rate tracker seems to be about the best going (low current rate and very low fees) I'm Looking to borrow more on top to do up the property, new kitchen bathroom etc approx 50k total mortgage. Am i right in thinking i'd still get the 1.69% +base…
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What took over from the endowment?
Hello, Im asking this for a friend who was considering a interest onlt mortgage. I know that lots shortfalled and there was bed media press at the time. So do they still exist? and are they more guaranteed on the completion date? Thanks :)
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Will she get a mortgage?
I am helping Mum in buying her a house. She is not confident enough to do it all by herself thus it's all fallen to me; who has never bought or sold before so please forgive the odd questions. The main questions are when should she start looking for a home and would she even get a mortgage? She is employed FT and earns…
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Working towards next home - overpay mortgage or save cash?
Hi all, The OH and I purchased our first property in Oct 2009 for £220K with a mortgage of £176K on a 2yr Fixed Term rate of 5.71%. As we purchased this property knowing it was only going to be for the short term (to get on the propery ladder and all that) we are currently looking forward to our next house purchase which…
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Mortgage on benefits - Broker advice
Deleted as problem now sorted
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Equity release
Hi new to the forum, i am in a brought property & want to find out if i can release around 10.000 from the property to pay off debts can anyone point me in the right direction please
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re mortgage my house to buy a business property
i own my property which must be worth £150,000 to £200,00 and im unemployed and want to buy an old school which is for sale at £79,500 so i cant start my own business up. is there a way of taking a mortgage out on my house to buy the property so i can start my own business,my new business will take more than the…
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Let to Buy Mortgages?
Hi there, I'm a newbie on the forum, so apologies for any mistakes! Been lurking for a long time but finally decided to join and post. I was wondering if any of you wise people have any knowledge of let to buy mortgages (not buy to let)? From what I've read about them, it would mean that we could basically ignore the…
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Getting a mortgage on part of a home?
Hi, I was wondering what i can do, i own just over 3 quarters of a house worth c.£140,000 after it was passed to me by my mum, my step dad wants his portion, £25,000, of this so we have put the house up for sale, i would however dearly love to raise this money and keep the house, to keep it i will need to raise at least…
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Help with the sums/feasibility, please!
Property - £365k Mortgage required at 80% LTV - £292k Joint earnings - £100kpa Type of mortgage - repayment The question relates to an available repayment level of £2.5k per month... or so I am informed. Can any apply their grey cells to this one and advise me whether it is feasible at current interest rates and which type…
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National Home Loans
Does anyone know if National Home Loans are still in existence? I can't find any trace of them. I had a mortgage with them years ago which was paid off but an endowment has reached maturity and I need a letter of no further interest from them. Many thanks
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Fixed rate dilemma
In September last year, I moved house and took out a new mortgage. Interest rates on fixed rate mortgages had just taken an upward step, so I decided to fix for ten years at 5.89%. Well what do you know, 20/20 hindsight - WRONG DECISION!!! :o Since then, rates have come back down again and show little sign of increasing…
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porting a halifax mortgage only a few months in?
Hi guys, just looking for a wee bit of advice if anyone can help would appreciate it :D My bf has a mortgage with the halifax it only completed in July, he's in the navy so the set up was to be his sister staying there paying half mortgage and bills. Anyhoo she now wants to move elsewhere, long story! lol Can the mortgage…
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Mortgage Arrears Advice
Sorry if this is the wrong place to post. My sister is currently going through a nasty divorce and has admitted today that she has fallen behind with her mortgage (has only made 40% payments for the last two months) She is struggling as at the moment has to pay for two full time childcare places until next September when…
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Paying off Cheltenham & Gloucester Mortgage
Hi Everyone, this my first post. I have had a 8 year £45000 mortgage where 7 years has been a fixed (capped) rate of 4.99 % and have been paying £569.48 a month for the last 7 years. This 7 year capped mortgage has come to an end and has reverted to the Standard Variable rate mortgage which is currently 2.5% which i will…
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Low Tracker...stick with??
Hi, we have about 66k, at 0.18% above BofE rate, over 17yr term remaining. Currently overpaying about £300...I know this sounds daft, but, am I right to just try and pump what I can afford into this at the moment ?....and should I just to stick with this deal as it is for the full term of the mortgage ?.............I can't…
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transfer of mortgage
can anyone answer me a question please, i have an £85,000 mortgage on a house valued at £140,000. this house is jointly owned by myself and my mother, my husband and i would dearly love to move and leave my mum in this house, my mum is retired and has her pension. the house we have seen is up for sale at £110,000. is there…
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... So, is this illegal?
Hello guys, first post on the board. Thanks in advance for helping me out. I'll talk in theory. A friend has a house on the market for 110k but wants to make a quick sale. I can get a mortgage for that... But, like most people, I am struggling for the 10% deposit. The friend selling the house has said to get a mortgage for…
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morgage house survey valuation lower than our offer price - what to do???
We currently have an offer of £392,000 on a 4 bed house in surrey.. the problem is the morgage company has just come back with a valuation of £365,000 based on them visiting the property and other sales on the same street. We are asking for a morgage of £132,000 which the back very nearly did not give us. The remainder…
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Fixed mortgage coming to an end in 2 parts.
Hi all, Sorry if this question seems simple but I cant seem to find the answer anywhere. We have a mortgage which is in 2 parts, We had a fixed mortgage for 5 years on our old house but we moved 3 years into the 5 year fix, so for the extra borrowing we took out a new product on a 2 year fix. So we have, say £50000 where…
