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brit b s
I am in dispute with the Brit b s. They never ever told me about daily interest charges and kept me on annual interest they also told me over the phone and in the local branch, that paying double+ money would not bring down my mortgage arrears i don't know where to start appealing for money lost in interest because of…
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Mortgage Help!
After coming out of a messy mortgage I am now debt free and want to get back on the mortgage ladder. I have been told due to my history in the current market I don't have a chance! I am debt free and really don't want a life of renting forever!! Any advice gratefully received
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Porting mortgage with additional funds?
Hi Someone I was talking to mentioned they are thinking of moving homes in the next year or so. Currently has £100K remaining balance to pay on current mortgage with around 17 years left. Now, my understanding is he could 'port' his current mortgage (which is around 1.25% over base) to the new home, which will still have…
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Aviva want to decrease benefit on endowment
Got another Red letter alert from Aviva but this one came with additional paperwork relating to Option Changes - but with no explanation as to why they want to change Mortgage benefit from £23,500 to £17,807 We took out policy in Jan 1988 so it only has two years left to run. We swithed to a full repayment mortgage 10yrs…
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Are they any fixed deals for 90% ltv?
Am going to have to remortgage from October unless the svr works out to be cheaper, but am wondering are there any 90% ltv rates out there?
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Looking for remortgage from Santander SVR
I currently have a mortage (interest only) with Santander (was Abbey). The initial term ended a couple of years ago and I am now on the SVR which is 4.24%. The property is in England, and was purchased for 145000 in 2007, with a mortgage of 85000 (LTV 59%). The value is now around £115000 which brings the LTV up to 75%…
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Fixed deal ending soon and looking for new fixed rate deal
Hi, our current fixed rate 5 year deal of 4.5% with Newcastle BS is ending in Feb, so need to get skates on so don't have to pay their variable rate 5.99%. Have another 10 years to go and mortgage is about a third of the value of the house. Have started to look around. Is anyone else in same position and found any really…
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Bad Credit Mortgage For Shared Ownership
Hi have a default on my credit history. I have the opportunity now to get a very affordable shared ownership property. I require a very small mortgage amount relative to my salary. My problem is high street lenders wont deal with me and the adverse lenders wont deal with shared ownership. Any advice would be welcome!
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Need advice on mortgage or loan with bad credit
I really need to sort some stuff out and thought this may be the place to get some advice..I own my house which is valued at £159,000 and I bought it cash..I now need to borrow some money and want to repay credit cards owing and also few other things..I dont know if I can get a mortgage or a loan as I do have bad…
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Mortgage lenders and DLA, Carers etc
Hi all, Does anyone know / recent experiences of banks/building societies which take more than wages into account?? We have long term carers/DLA for my son plus the normal tax credits (if that still exists soon or replaced??) and child benefit. We can get a 10% deposit sorted. Many thanks in advance
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Waiting to go on fixed rate, playing the game
We're currently on the standard variable rate with Natwest, and have been enjoying payments of £380 per month for the last half year (getting to around the 90% LTV mark finally!) We have been looking at 2 or 5 year fixed rates with Natwest, but probably what we'll do is wait till January 13th when the BofE make their…
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Overpay or save?
We currently over pay our mortgage by £600 a month. Our rate however is only 0.4% above the BoE... so my thoughts are that we currently have one of the cheapest mortgages in history. Even if interest rates do start to climb up and our tracker follows suit, any additional borrowing we take over the next few years will be at…
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LTV for Existing Homeowners
Our mortgage is about 76K but I fear our property will only sell for 85k when we advertise it in the summer. (We can save a further 2/3K from now till then). Is this treated in the same way an FTBs 'deposit' when we trade up? ie, we will basically only have about 7/8K equity for the next property which isnt much at all.…
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How early should you start looking at new mortgage deals?
I am finishing my 3 year fixed rate in October 2011 and wanted to know when I should start looking at new deals?
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Residential mortgage and ERC
Hi,I need help please!! I have a residential mortgage with fix rate till 2018 with early repayment charge (ERC) of £8000. The problem is that I need to rent the property and move abroad. The bank will give me a permission to let just for 2 years and after I should go back in the property but it is not enough!!!!! If I rent…
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Totally Screwed
Late last year and early this year I obtained a 90k+ mortgage on a property under the advice of a investor who owned a letting agents. and my uncle they fronted the deposit and gave me a small sum for doing this they also paid the rent from the lettings agent into my account monthly from the tenant and were trustee's on…
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Keep or cash-in Endowment
I thought i'll try and workout if it was worth keeping my endowment going but then my head started to hurt. Its a Prudential unit-linked fund to pay £50K in Aug-2023 and my premium is £134.70 p/mth My latest statement June 2010 valued it at as of june 2009 £13,254 Its classified as Green with a Estimated grow rate of 6% to…
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Wishing to let my property...just a couple of questions?.
Folks, I'm hoping to rent out my one bed flat and have received back from 'Nationwide' a form called 'Requirements for temporarily letting your property'. There's a couple of things I need clearing up. 1) They require written evidence confirming that the freeholder has given permission for the letting and that request to…
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One Account?
I've heard alot of people saying the one account is great, they are years ahead with their mortgage payments, its really helped blah blah blah. I've just been on the website but it sounds too good to be true. I would really like to buy my own home. I earn £18720 a year before tax. Me and my ex partner (childrens dad) are…
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Northern Rock & NRAM & Early Repayment Charge
I got a mortgage with Northern Rock in Feb 2007 - the interest rate was fixed for 5 years at 5.75% The early repayment charge - during this period - is £5,400 Right now I need a bigger place and plan to sell the current property - i'm trying to avoid having to pay the 5k. I called NRAM and this was the first time I fully…
