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HSBC Mortgage advise
I currently am fixed with HSBC until 28 Feb at 6.79%, I have called and arranged a 5 yr fixed at 4.79% with a £199 BF. I am awaiting the paper work to sign and return, what i want to know is that i have a letter saying i will automatically go on to there SVR which is 3.99% i understand. What i want/need to know is once i…
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When do late payments fall off?
I recently applied for a remortgage with Natwest, to my disbelief they turned me down....I was advised to get a credit report from Equifax which I did, they only disturbing thing on there was some late credit card payments from 2005. 2 were yellow and the 2 after that were red, they were only late payments Does anyone know…
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Potential remortgage with HSBC - Question re mortgage offer
I have an appointment with HSBC tomorrow to try to book their 5 year fix at 3.99%. I want to see where the land lies with regard to interest rates in the next 5/6 months and have that lined up ready to take if necessary in a few months. There's a booking fee of £99 which I understand I will have to pay and forfeit if I…
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First direct mortgage
Do you need a first direct current account if you decide to take one of their mortgages, Is it true that they will only pay the mortgage from their own account, just wondering as I am not sure if this would put me off as I dont really want to swap my current account.
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Buy or Rent - Thinking Long Term...
Just done some sums as we (2 adults,no kids) have been renting for the last 8 years, we are both just past 30. Landlord has said he wants to sell the house at some time in the future but does have another property much the same that we can have for the same price. He has indicated that this could be a long-term rental and…
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Turned down for a remortgage due to ex-partner ruining my credit!
I have just been turned down by HSBC for a remortgage deal. Completely bewildered by this - I have a good job, good wage, small joint mortgage with my current partner. I signed up with Equifax and found out that my ex-partner defaulted on our old current account (which he had promised to close when he moved out of our…
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Some remortgaging advice
I currently have a property that is not in use and looking to add some finishing touches to it with a view to either renting or selling it. I made a mistake in taking a 5yr fixed rate in 2007 with Nationwide, seemed a good idea at the time and the rate was 5.44% :mad: Have heard Nationwide are not keen to allow…
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Moving house and base rate mortgage
This will sound like a silly question to most of you but this is my first home and I know very little about mortgages! We want to move house in a few years but are in a lot of negative equity. Our fixed rate ended a year ago so were now on the Halifax equivalent tracker type mortgage I think. Not in a deal just whatever we…
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maturing endowment policy
Not sure what to do at all. Endowment policy is maturing next week but husband and I have divorced and hes not interested in the money or helping me to get the money. Obviously Standard Life requires his say so to release the money (into the same account its been paid out of for 20 years) but he has moved on and isnt…
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equity transfer - keeping existing mortgage
I have been doing some extensive online research into transfer of equity in relation to my divorce. I will be remaining in the family home and need to carry out a transfer of equity from our joint ownership to myself as the individual owner. There is a huge variety in the quotes I am receiving. Some include land registry…
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Moving house with mortgage defaults
I've been a student for the last 3 yrs and as a result of living on a small amount defaulted a few times on my mortgage. There are no outstanding payments or debts but I want to move and buy a new house when I graduate and get a job. What are my chances of my mort lender agreeing to this? My sister has agreed to be my…
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Mortgage for a completed new build
Hi, posted this in wrong place earlier, Can anyone help/advise i have a complete new build/ self build 3 bed house for sale. The potential buyers are being refused a mortgage even though they are putting a 50% deposit because the house has a completed 10 year warranty from the LABC and not a new build 10 year warranty. The…
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(Experian) credit scores...
..possibly a little OT.....but I was wondering if the credit score firms give everyone with a decent credit situation/history 999 out of 1000? Also, how good an indicator of future acceptance by mortgage lenders is such a score? Thanks in advance, for any feedback
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Mortgage help
Hi, just after a little advice, we have a fixed rate mortgate at 4.99 with nationwide for 5 years £804 per month, this is due to end October 2011, penalty fee of £995 if we come out early. The Mortgage was for £150,000 over 30 years currently owe just over £140,000 it should be £137,724 using the calculator on here and a…
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Near Prime 85%???
Does anyone know of a near prime mortgage company which do 85% LTV. Perfect credit history apart from a default 4 years ago. I have been told by my broker that the minimum a near prime broker will go to is 75% LTV. With the default being 4 years old and a clean history since then I am desperate for a lender who will…
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bad credit mortgage advice
me and my girlfriend are looking to buy a shared ownership property, 70k for 50%, we have 10% deposit, may be able to get 15/20%. problem is i have a bad credit rating (99) with banks. girlfriend has excellent credit rating. we dont have any debt now and i earn 26k, she earns 14k. what are our chances?
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What to do.....?
This is my first post, just spent an hour or so reading through other posts and the advice for others seems really well informed. I am currently with Northern Rock on an SVR 4.79% paying £200 per month over payments. Interest only was the right thing for us at the time however we want to get on a fixed repayment for the…
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Mortgages and radical career change
Hi there A friend of mine is about to arrange her first mortgage. She qualifies comfortably with a very well paid job but is intending to leave her job and start her own business within two months of the first mortgage payment. At first this will mean a 100% pay cut but she has deliberately saved up enough money to cover…
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HSBC Pull 90% LTV Mortgage
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