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Mortgage query
I have been on a fixed 5.99 for 5 years since August 2007. My mortgage advisor fixed it for 5 years as I only had five years left on my mortgage even though I only asked to fix it for 2.They said I would end up paying product fees again after 2 years so it was best to fix it until the end. Anyway I agreed and to be fair no…
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Commercial mortgage
Hi guys i'm looking to buy a run down boarding kennels and was just wondering if anyone can point me in the right direction with regard the best place to look for a commercial mortgage or if anyone has found a good deal for a CM recently any help appreciated.. Daz
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Remortgage - should we stay or should we go? (so confused)
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Brain ache!
Hi all I could really do with some help as I am giving myself brain ache going over and over things. Our 5yr fixed deal ends on new years eve with Alliance & Leicester. The o/s figure at that time will be £152k and we will then 'roll on' to their tracker which is 0.75% above the base rate. To me, this seems bloomin…
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What is Ex entitled to???
Hi, If anyone can help or advise me on this, it would much appreciated! Me and my ex bought a house in October 2005, we split up three years later in 2008. After spliting up he moved away and i had no contact with him for two years and was unable to remove his name from the mortgage, leaving me to pay the mortgage plus our…
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HSBC 5 year deal
I am thinking about adding all my outgoings together (mortgage, loan and cards) and sticking it all into one pot, the 5 year 3.94% deal from my Bank, HSBC My neighbours houuse is on the market at £130k, they have a conservatory i dont so even going to value of £115k at 60% ltv that gives me 69k total I currently spend out…
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Standard Life Mortgage
I have a fixed rate mortgage with Standard Life which ends in March 2011. I'd like to take out another 5 year fixed rate in March and am looking at First Direct, Yorkshire etc. I phoned SL to see what they would offer but was told to ring back in the New Year. I'd like to get this sorted sooner rather than later and was…
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To go to court or not to go to court?
Morning all, I posted yesterday on the DFW board. We're in a bit of a sticky situation but we're working through it. My new problem is this- We have a court date with the mortgage company of the 6th of December. If we get our mortgage to below 2 months outstanding then they won't take us to court. My wages this month…
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changing fixed rate term
HI Does anybody know if I can change my term on a fixed rate mortgage. I know there are penalties for overpayiong too much but I'm not sure about changing the term. Thanks (Although I probably know the answer is going to be no!)
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Getting out of a tenancy agreement to buy a house
Hi, I was wondering if anyone could give me some advice. I am currently 3 months into a renewed 12 month tenancy agreement but would like to start househunting now as my wife is expecting our first child. I am not sure however how I can go about leaving this rent agreement. Do I have to stay till the end of the 12 months?…
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fixed or variable rate?
we were on a fixed rate mortgage since before the recession and when the contract expired we were automatically put onto the standard variable in late 2009 which was great as was almost £200 less per month! how do fixed and variable rates and the economy all work? would it be wise to get another fixed rate before the…
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Recently divorced - ex wont pay 1/2
Split from wife and now divorced. Our house we bought together is in negative equity. Neither of us live there. Bank agreed 6 months ago to reduce mortgate to interest only. We have been paying 1/2 each. My ex has now stopped putting her half in and I can't afford to cover costs on my own. Any advice please? Should I opt…
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what mortgage do i need
hi all i am mortgage free and want to buy another main house i am very lucky to have a full deposit and cash to spare for refurbishment ,i intend to sell my current house as soon as we move in and pay off the mortgage we borrow but can someone tell me which is the best and cheapest option for us ,we have saved very hard…
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Mortgages vs Renting?!!
We are stuck for another 3 years in a fixed rate mortgage at 7.4% interest, we are now in a situation after having a baby where we are struggling to pay all the monthly bills, our mortgage company believes we should be able to pay the monthly payment of £825 a month but have agreed to put us on an interest only mortgage…
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Mortgage overpayments or 5% saving plan?
Our mortgage deal has just run out so we have dropped to Nationwides lowest rate, which is 2.5% at the moment and allows us to make unlimited overpayments. Question is should we be making big overpayments off the mortgage or should we put it into a 5% savings plan? I've seen those calculators which predict how much we can…
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Join parents mortgage
Hello, I'm looking for some advice to see if this is possible, or something similar is possible. My parents have 65K mortgage to run for the next 5 years. Bascially due to circumstances they cant afford the payments and have to either sell or lose the house. I would like to act as a "guarantor" and join the mortgage, but…
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Can I change my mortgage product to another with nationwide?
Hi, just a quick query - if anyone can advise I would be very grateful. We have a fixed rate 6.09% deal with Nationwide due to end on 31 Aug 2012. it was a 5 year fix. When the mortgage rates came down I phoned Nationwide and asked them whether I could pay the penalty and change to a more competitive product. They said no.…
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Advice - Consent to lease with Northern Rock
Just after a bit of advice, here is my situation. I joint own my property with 2 other people. The other 2 have moved on but rent their rooms unofficially. I now want to move on and get a mortgage for myself. The majority of Lenders require proof of consent to lease. I have read various things, needing to owe 70% of…
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Ecology BS - which credit agency?
Hi guys, Does anyone know which credit check agency the Ecology Building Society uses? Thank you
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banks holding mortgage payments for 7 days????
i don't know if anyone has come accross this, but my mother in laws payment date is the 30th of the month and she always pays it on the 26th of every month, the last three times she has had letters sent to her on either the 31st or 1st of the next month saying she is in arrears with her mortgage, when she has rang barclays…
