-
WHICH mortgage advice!
As a which member for the last 20 years or so I decided to use the which mortgage advice service. Spoke to a very nice man who in the end told me to stay with my existing lender Yorkshire Building Society as the deal my mortgage reverts to at the end of the year is too good to give up. Any fixed rate deals all came back to…
-
Self Build Mortgage Advice Please (Scotland)
We own the land and have £40,000 savings to put toward a build which will cost £160,000 so need to borrow £120,000. We intend to let the new build house after completion (it's an eventual retirement home 20 years from now!). We can afford £1000 per month repayment. We have £150,000 equity in our current home (we pay £660…
-
Self employed/ mixed income - Self cert alternative??
Hi, I need to remortgage following a relationship break up but am self employed and on short term contracts. I have had a mortgage for over 3 years that I have regularly paid, and have no bad credit history or other debts, but am having trouble raising a mortgage because of the ban on self certification. Is there an…
-
Best mortgage deal...
... for us? We'd really appreciate some advice on the best mortgage deal in our particular circumstances. Have about 16-17% deposit, so need to look at 85% LTV deals. Would prefer either a fixed deal (2-3 years) with a good rate or a capped tracker or a lifetime tracker without ERC, all on repayment. Need to ensure that…
-
Selling Endowment Policies
Hi, I am interested in cashing in 2 with profit endowment policies I have with standard Life. Having recently been medically retired and now struggling with bills and mortgages etc. This and my savings will allow me to pay off my mortgage. I have received the surrender values of £29,000 the policy matures November 2012.…
-
Mortgage Brokers in and around Coventry
Hi, I've been lurking on this site for a while now as me and the missus are looking to buy a house. Can anyone recommend a mortgage broker in the area. I've googled it some and obviously a lot come up, but if anyone has 1st hand experience that would be great. At this point I'm still wondering if I need to get the services…
-
Mis Sold Mortgage question??
Hi, what can constitute a mis sold mortgage? The reason I ask is that my wife an I took out a mortgage in a very complicated situation and I don't know if the whole thing was legitimate or not and would like to put my mind at rest. Essentially, my mother was made bankrupt. We (my wife and I were living with her at this…
-
Please help find best Offset mortgage
Can anyone help me find the best value offset mortgage. The best I see so far is the First Direct Base rate Tracker of 2.59% for loan to value of 65%. This has a £99 fee. Has anyone seen anything better?
-
Moving home - what term to go for?
Hi - hope you guys can help. We're in the process of getting a mortgage to move house. We're lucky enough to be upgrading to a bigger house and I have a question around the mortgage term itself. At the moment, we pay quite a lot out in childcare on a monthly basis, but that will stop in January 2012 when the little one…
-
MSE News: Hometrack points to further house price falls
This is the discussion thread for the following MSE News Story: "Values fell for the fifth straight month in November as demand from buyers dropped at its fastest pace for two years ..." Read the full story: Hometrack points to further house price falls
-
relationship break up - House - how to split
Hi Folks, I'm hoping to get a bit of advice re a relationship split and mortgage... This is all at the early stages, but I just want an idea of where to go next.. I've been in a relationship for 4.5 years. My partner and I (not married) bought a house last year - for 99k - we spent 6 months and roughly 12k doing the place…
-
Before asking for a mortgage extension ...
I wonder what the problems might be. I have a house mortgage (c. £190k at 40% LTV) and a second mortgage on a flat (c. £130k at 50% LTV), both due up in 2015. Needless to say endowments will not cover the residual amounts. In the current never-had-it-so-good climate making the interest-only payments is no problem, and I…
-
Halifax Mortgage - Transfer of Equity
Hi my Halifax mortgage is in joint names with ex, he has agreed to be removed and let me have the house. Halifax have also agreed to let me have the house in my sole name (lump has to be paid to bring LTV down to 95%). Bank advised that my credit score is near perfect and salary/affordability is fine and wage slips not…
-
Help !! loan and mortage
Hi , new to this and need a little help were planning to complete our house and get our keys for our new build home around the middle of december , we have used all of our saving on the deposit and still have 14,000 to pay on handover, we have the mortgage offer and so forth so we are just waiting for the house to be fully…
-
got a good percentage but quite worried
I am renewing my mortgage next year and currently have a very low tracker rate, my mortgage is 60% of the total property value. which from what I have read is pretty good but I am worried that I wont be able to get a very good deal next year as my credit rating isnt as good as 3 yrs ago when i renewed. I have missed a few…
-
loan to top up deposit?
Looking at getting a mortgage from post office for 240k but struggling with the 10% deposit we need. I could probably lay my hands on 18k but struggling for the rest so I'm wondering if I could use a 5 year 6k bank loan to make it up. I have checked the repayments on the post office cal and putting the loan repayment in it…
-
Quite complex mortgage question
Infrmation please
-
temporary move to rented. mortgage advise
If we sell our house before we have found somewhere to buy how will this work out with our mortgage. would i be right to assume the sale of our house will be used to pay off our mortgage and hopefully the rest come to us. then when we have found somewhere we will have to apply for a new mortgage? I am slightly worried that…
-
Can I borrow this much and from who?
Hi all, this is probably a question for brokers to see if the below can be done.. On a salary of £30k (basic), full time permanent job of 2 years, no debt or bad history..Can the following be borrowed? and which lender would it be ? Property value: £185k Deposit: 15% amount to be borrowed: £157.25k Property type: Ground…
-
Please Help
My father in law wants to do us a favour. He has just become an ower of a property he part exchaneged with a house he has built. The property is 3 bed and valued at 173,000. He has said he would do a straight swap with our property which is 2 bed just valued this week at 149,950. Our mortgage is 135,000. Our circumstances…