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2nd joint residential mortgage?
Hia all, We have a flat that's close to being sold but isn't... and it might not go through. We have seen another house we want to buy and to be honest, we can afford to pay the mortgage on both. Th problem is, the current flat is in my partners name and he is the higher earner and I am the one who would have to get the…
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mortgage predicament
Hi there My mortgage has about 3 years to run and i have not got the endownment money to pay the end balance off, i am on interest only at the moment whats the best way of resolving my pridicament
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New home mortgage
Hi guys, Hope you can help me, looking at buying a brand new home (East Midlands) but heard you cannot get it on 90% ltv due to lending policies. Is this right? if so whats the maximum ltv thats available? and where from? Thanks for your help Craig
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how to get a mortgage with the mortgage works
We have found a property (btl) and would like to get a mortgage via the mortgage works however their website says for professional intermediaries only. When I phoned up the phoneline they said that I needed to go via a professional intermediary. Can anyone advise how we can get a mortgage with the mortgage works. We are…
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Mortgage with Tier 1 Visa
Hi, I'm a banker working under Tier which is expiring in Dec 11 and I will reapply next year. I've been at this job for 2 years, downpayment 50%. Which banks good give a good offer? Thanks
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Advice for remortgage/consolidation
Hi all, Just hoping one of you experts out there could help me out... We're coming to the end of our 5 year fix with Accord, currently on 4.79%. The fix ends on 31 March 2011 and we will need to remortgage to avoid their SVR of 5.99%! Only problem is...I have quite a bit of unsecured borrowing- Personal loan of £15k, 3&1/2…
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Dependents question.
Hi, me again Is it fraud if you don't tell the mortgage company that you have dependants?
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dont know what to do for the best with mortgage help.
hi ive got a capital and intrest fixed mortgage at 3.99% i owe £52876 and im paying £415 a month for this , im told i can overpay £5385 a year from july to july , if i do this it would take my balance down to £47491 and my monthly payment would drop to £377.88 now ive got a s&s uk index accr isa and its got a surrender…
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separation and mortgage
Hi have recently separated from my husband, i want to sell him my half of the house for a nominal fee and get the deeds changed to his name. I also need to know can i claim housing benefit because i have to move out and rent something asap. I know i can claim HB eventually but can i now that i still have a mortgage in…
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How do YOU buy a house?
Do you put an offer in on one that you've seen and then go get a mortgage or wait until you've got a mortgage in principle and then offer? What if you've seen one that you love and could see yourself living there but haven't got a mortgage yet?
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Mortgage query
Hi, can anyone help me with a query regarding mortgage. Basically partner and I are looking to purchase a house. Partner has good cash deposit and good credit. I have a car loan (£6k outstanding - two years to go) and three credit cards - two are decreasing amounts of £2k & £3k on zero percent and one I use and clear every…
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Remortgage - First Time User
Hi, I've not posted here before but could really use some help. Until now I've let my husband deal with all of our finances and to be honest, he's made a mess of it. (I love him dearly, but....!) He has kept from me how bad things are and so now I'm trying to pick up the pieces. Part of that is I think we need to…
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Help with my mortage?
Hi I'm hoping someone can help me with my mess of a life! In May 2008 I bought a flat with my sister, We paid £146k for it but borrowed £161k, part repayment mortage and part loan to cover fees and exisiting debt. The mortgage was a 3 years fixed rate of an extortionate 7.5% Then the market crashed. Next May the fixed rate…
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Offset Mortgage & ISA's - Make a payment or keep ISA's?
Hello, I have an Offset Mortgage and a few ISA's which are offsetting against this mortgage. This is great as by offsetting these ISA's with the Mortgage I get a much better rate compared to receiving the standard interest on these ISA's. However am not sure if I should use my ISA's to make a payment to reduce the mortgage…
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Very simple re-mortgage question
Re-mortgaging: If our new mortgage providor has agreed to lend us £X, and we then pay down our current mortgage to just below this, £X - £1000, on completion what normally happens? Does our new mortgage providor just lend us £X - £1000 (so the amounts match up perfectly - to pay off the old providor), or do they pay our…
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Repayment versus offset mortgage
I'm looking to settle a £72K balance on a repayment mortgage using the proceeds from the sale of my current property and then take out a much larger mortgage for my next home. Essentially I appear to have the choice of a repayment mortgage or an offset mortgage. Say you're borrowing around £200K over 16 years, which one…
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Which BTL mortgage?
Hi. If you had to pick between the following BTL mortgages, which would you go for? a) 5.99% fixed for 5 years (1000 arrangement fee) b) 2 year tracker at 4.3% above BR (2250 arrangement fee) I am leaning towards a) as I think rates seem likely to be up 1.5% in the next couple of years. Obviously will be overpaying in the…
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property market??
Hi there this is my first post, have been thinking this over for a while and need some advice and expertise. I currently live in a one bed flat in city centre area in Scotland. I purchased the flat on a 3 year fixed rate mortgage in April 2008, so next April I am due to remortgage. I was a first time buyer at the time and…
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need help!
my partner has a joint mortgage with her previous partner who is still living in that house.they both have i.vas.my girlfriend hasnt been able to keep up the repayments and has been advised bankruptcy is the best option.the house is in negative equity and in arrears.she has a court date set.her previous partner is asking…
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Over pay mortgage with pension?
I have been told that in the long run, you are better off stopping your pension and over paying your martgage with the amount that you put into your pension. The interest that you save on your mortgage will more that cover the loss of pension. When the mortgage is paid off, start putting large payments into your pension.…
