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home improvment loans
Hi, what is the best way of borrowing £40,000 for an extention on my property?, value of house £180,000, good credit rating, own the property outright, however am 50 years old, would appreciate your help.
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Shared ownership Mortgages
Me and a very good friend are considering buying a house through our local government scheme for shared ownership. We are hoping to buy 25% of a house for £32500. Does anyone know of the problems we may face getting a mortgage? Will it have to be a specialist mortgage company? Also, the main thing i want to know if anyone…
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david4598
Hello I have a mortgage of £80000.00 and have a home worth roun about £240000. The thing is I have a real good opportunity to buy a buisness and its £20000.00 could I remortgage to get the funds for this.
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bit of advice about selling
hello, im looking for a bit of advice about selling my property. i bought the property in summer 2007 and at the time took a 10 year fixed rate with the woolwich. i now need to move away and need to sell the property. i have checked my original contract and the early re-payment charge might be as much as 6%!! does anybody…
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Bradford & Bingley Fixed rate mortgage
can someone help please :) my current mortage with B&B was taken out in Jan 2007 on a fixed rate of 5.89% fixed for 10 years.I was very fortunate at time to get it and i know that rates have come down but i didnt mind paying what i was doing as deals were starting to become harder to get :( however when B&B went into state…
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The joys of selling with negative equity and joint mortgages (Help!)
My partner has found herself in quite a sticky situation with a mortgage she got into several years ago with an ex who basically did his best to obscure information from her (holding bills hostage, etc). Even now she doesn't have any kind of references or paperwork. She and her ex got a mortgage several years ago. The…
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Fixed rate rise
Hi Last week I called YBS and asked to fix, my opinion was that I had 85 - 90% LTV, their system said over 90%. I requested a valuation (tomorrow) and also asked for the over 90% rate (5.89 fixed for 5 years, the other rate would have been 5.69) as I didn't want to miss it in case rates increased (which they have today)…
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Where can I find Legal and General Bonus Forecast 2010
Hi, Does anybody know if there are forecast for bonus payments due this year? I have a Legal and General Endowment which I intend to surrender, and don't know if it will make any difference leaving it a few weeks or doing it now. Any advice much appreciated,
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Want to port in about a year
Hi all, First timer on here - just wanted some advise on what to do. Currently have a £74k mortgage (around 50% LTV) and its up fro remortgage. We want to port in about a year to a family home which will probably be approx £100k extra so £174k. concerns are as follows: 1) Base rate will increase and therefore so will…
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Do I have any chance of getting a mortgage?
I am 32 years old now, and have never had a mortgage. I don't have any savings, and have no way of getting any sort of loan from friends/family. I can start saving (in a few months once a few things have been paid off), but realistically it's only going to be around £100 per month. I also have a bad credit rating, in that…
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post office - list of approved solicitors
I am taking out a mortgage through the post office but they have just informed me that my solicitor is not on their approved solicitor list and I will have to pay for another solicitor at their end or change solicitors, trouble is I have just paid my solicitor! I have asked my solicitor if they can get approved but I fear…
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What happens to a mortgage after death of one party?
Hope this is the right forum and someone might know the answer to this or where to find it. When a house is held jointly between husband and wife and one party dies, I know the house passes automatically outside of the estate. What happens to the outstanding mortgage on the property? Who becomes liable for it? If there is…
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Are there rules about banks increasing their SVRs
Hi all I am not sure if this has been covered before, but i couldn’t find it. I just wondered what the rules were concerning Mortgage "standard variable rates". Can banks increase their SVRs for existing customers as and when they wish? I am a NRAM customer on their SVR. As the BOE base rate dropped Northern Rock passed on…
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Early Re-payment charge, excessive?
Weve just received our annual mortgage statement from Nationwide. Anyway after checking the statement (a bit more closely than usual:o) I discovered that the early repayment charge would be over £2700. Our deal ends in September this year and I had been looking around at deals on offer at the moment. If we ditched our…
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RBS Offset Mortgage
I am selling my house, I was provided in December with a mortgage release figure of 147k. However as it is offset they said I would have to phone back on the completion day for a new figure. My solicitors contacted yesterday and were told the redemption figure was now £176k! When we looked into it they are trying to lump…
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mortgage offers , length of re mortage offer ??
hi, i am currenty wanting to re mortage my property , as i think that the current rates are low , and will no doubt rise my current motgage is fixed until aug 2010, if i cahnge beofer this its quite a fee will current offers be valid for 6months for example if i set something up in feb and delay until aug i dont want to…
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securing my mortgage
have a toxic mortgage with northern rock. fixed rate term has ended and cant get another one. the banks we try say we dont qualify. also in acccs plan on credit cards. when the interest rates do finally go up i think we'll lose the house because of the payment hikes. where can i go to get a mortgage that will protect me…
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any feedback on my mortgage situation
hello all, please lend me your eyes for a minute or two if you would be so kind. just want to explain my situation and see if anyone can offer some advice/criticism :D Long story short, me and mrs H plan to move abroad middle of this year as both of us do not feel at home where we are now. we have mortgage at 3.99% now on…
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Ditch the fix to cover shortfall? What should we do?
Hi All, The ditch the fix dilemma is upon us and we would really appreciate some honest, balanced advice please. I've been pestered for months by my local 'Total Mortgage Network' broker to pay us a visit and tonight he's come back to us with some figures which LOOK great on paper but I wonder really whether its going to…
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Declined AIP
Hi, after abit of advise or experience really. Me and my partner are first time buyers and we've found a house which we agreed a price on. We're only working with a 10% deposit and the house is £205k. My mortgage broker has just tried to get a AIP with Natwest who have refused on the basis that my partner had a store card…
