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Getting A Mortgage With Bad Credit...
Hi Guys, Not sure this is in the right spot but as the title suggests I am looking to see what chances I have of obtaining a mortgage with a bad credit rating. Ideally I would like to be able to buy a property outright as it were but may have more luck with Part Rent-Part Buy. However the credit rating of my Wife and Me is…
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Buy to Let Mortgage
Hi all Just thinking out loud really - can anyone help me? Need to find 20k to help my parents buy a bungalow. They have 120k themselves from the sale of their property, but need 140k to buy the bungalow. They wont be able to get a mortgage themselves so its down to me to help. I have a mortgage with hubby on the home we…
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Confused
We have a 24k mortgage with nationwide and we're paying 5.95% interest. The mortgage is due to run till June 2013. First endowment comes out next month and bewtween that and savings we could clear the mortgage. Second endowment for £20k comes out november 2012. Should we clear the morgage next month? Early redemption fee…
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Are there better deals out there?
Ideally im after a five year fix My current provider can offer: 4.39% for a five year fix, no arrangement fee. ERC being 1% per year o/s. LTV being about 72%. Can i get a better deal elsewhere - i do want to be on a five year fix though Edit - im sure there are so please help me out
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Mortgage question
Hi, not sure if you guys will be able to help. Basically we owe a bit of money but have got a fab 0% deal on a credit card which will bring out debts down to £2200. The mortgage is in both our names, but is paid out of hubbies account. We've never missed a payment (on credit cards or mortgage), so no worries about that.…
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BANK TRANSFER FEE / transfer of equity
Solicitor wants to charge me for telegraphic transfer fee. I am staying with the same bank with the same product, the same term etc I am just removing my partner name from ownershio, no money involving at all. any advice?
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Lenders that consider CTC/Child Maintenance
Hi - I split from my partner 2 years ago(not married) and we have 2 children. I have parental responsibility for the children with my partner seeing them twice a week. We have a mortgage of 95k and a house valued at £145K. My partner wants to get his share of equity out of the house and I'm unsure where I stand legally. My…
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Easier to stay with same providor or switch?
Does going with a new providor mean I will have to do a full application e.g. pay slips, statements etc. ? Thanks
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Surrender or Continue until Maturity
I have 4 x endowment policies each for a Sum Assured of £1151 taken out with POIS in 1972. These are due to mature in September 2012. The current monthly premium is £1.31 each. On the last Bonus Certificate (2009) the Sum Assured plus revisionary bonus was £2853 each. The current surrender value of each poicy is…
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Self Employed Mortgage
Hi, Does anyone know any broker/companies that offers mortgages to people who are self employed professional gamblers? I know there was a thread ages ago but it got deleted? Thanks
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Advice for FTB Please
Hi We're hoping to buy a house worth 150k - we've got about 18k for a deposit (plus 4k for survey, fees etc...). We are trying to decide whether to get a 3 yr fix at 5.49 with the plan of overpaying so at the end of the 3 yr term we could remortgage for 20% deposit or a 5 yr fix which is at 5.99 which again would let us…
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The One Account - reducing facility irritation
I'm rather irritated by the One Account today. I've had it for 5 years & put up with the interest rates not decreasing as much !!! expected etc (as covered in other topics here) (there wasn't much I could do, as the LTV ratio was too high to switch to other providers who had all reduced their ratios). Anyway, when I got…
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Remortgage with Santander
Need a bit of advice as I am stuck deciding what to do: I have a fixed mortgage with a rate of 5.80% with Santander which doesn't end until August 2012. Current outstanding balance is £86.000 and paying £687 a month. Recently we've deceided to have our kitchen extended as with 3 kids it has become a smaller place to live…
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On 2.5% SVR, Should I fix or not?
Hi chaps, Just hoping someone could give me some advice really. We had a 2 year fixed (100%) 35 yr mortgage in jan 2008 which ended jan 2010. Since then, we have been on the Cheltenham and Gloucester standard variable which to now we are still on 2.5% (2% above BoE) and our mortgage falls in right on 80% LTV, and make…
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Two years to go and a shortfall looming..
Hi Any suggestions to point us in the right direction please? We have two years to go on our 25 mortgage - half is repayment and half is covered (or not as it turns out) by an endownment but a £26,000 shortfall is predicted and we do not have any savings to pay this off. Should we wait until the end of the term and look…
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Applying For Mortgage
Hi, My wife and I will be applying for a mortgage at some point soon. We're wating back on a second valuation for our House, organised by a Developer, but we already have a "4 week selling price" from one estate agent (confirmed via developer) of £91K. This would give us £50K after mortgage is paid off. We did get a…
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Split up with partner, both names on mortgage
Ok, i split up with my girlfriend back in april 10, she moved out into rented house in june 10. Both the names are on the mortgage. We owe 93k house worth 105k i been paying everything since she moved out. What do i need to do to get her off the mortgage. She is not asking to come off it and i dont want to rock the boat…
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NatWest Mortgage underwriters slow?
Im currently in the process of remortaging from Northern Rock to Natwest, the application has gone through valuation done, ive supplied all documents asked for but ive still not recieved an offer its been 2 weeks now since i heard that it was with the underwriters. Should i be worried or could it be a backlogue of work or…
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Not a clue!
Hi We are currently on a 5 yr fixed deal with Northern Rock (NRAM). It ends in June. Stupidly we took out a 100% interest only mortgage and due to various unrelated matters the money we had saved as a repayment engine have been used. We won a conservatory so I think there may be about 2k equity in the house. We have no…
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Advice on remortgaging please
I have 16 years to run on my two mortgages: 1. £30,000 at 1.49% 2. £7,700 at 4.99% I am no longer tied into a deal and tend to favour 'fixed' deals so I can budget ahead. I am overpaying on both loans (£25 on no.1 and £130 on no. 2). Is it worth my changing mortgage provider to get a fixed deal or continue with Santender…
