-
sunlife of canada trying to contact me ?
hi all i wonder if anyone can help i recently got a letter from the department of work and pensions telling me that sun life of canada are trying to contact me,and that they have forwarded a for from sunlife for me to fill in ,i rang sunlife with my date of birth and they said it seems i am who they are looking for but…
-
Morgage Advice form L&C
Has anybody had dealings with L&C and then been transferred to a Simon Conn, should I be worried by his name or is this a genuine adviser?
-
highest rates
What is the highest fixed rates have ever been, at the time when the base rate was around 14%. Obviously it would depend on deposit but lets say roughly for 25% deposit and a 10%
-
2nd Propety as secutiry
Hello, I am looking at moving house and saw i house i liked that is approx. worth 25k more than my current house. I contacted my current mortgage provider but they told me they wouldn't be willing to lend me any more than my current mortgage. However, I have a second property that i jointly own with my brother that we rent…
-
Anyone know about Loughborough Building Society Mortgages?
2 year Fixed Rate (Product rate 3.55% APR 5.0% ) For Direct Applicants only This seems a great deal. Does anyone know anything about them?
-
FTB advice needed
Hi all, me and my girlfriend are looking for a home up to £190k and we have a combined wage of £50k. The main problem is we only have a 10% deposit (15% at a squeeze). Looking on various lenders' websites we can borrow just over £170k, I take it this isn't including the deposit?! I know we are cutting the costs fine but…
-
Buy to let
Hi Thanks for taking the time to read this and I hope someone can offer me some advice. Ok here's the situation Myself and fiance' have been toying with the idea of starting a let portfolio as a slow burner for the future. we have developed a few houses in the past (I'm a builder) but due to our home and other financial…
-
Porting and moving
Hi all I have a question, this seems feasible but thought i'd ask here considering making an offer on a house, 119k (good deal indeed!) my house is valued at 70k (50% shared ownership) equity 20k. Mortgage deal 0.95% tracker (phenomenal I know) I take it, it's both realistic and feasible to port my mortgage and obtain a…
-
Skipton
Can anyone give advice on skipton has anyone used them if so how strict are they on credit scoring. Thanks.
-
Experian Credit Report
Hi all Would getting my experian credit report likely to affect my chances of applying for a mortgage? by getting this report is it likley to show up on my record as a "search" going against my name?
-
Remortgaging with Charging Order
Hi, As I'm confused on this issue, any advice on remortgaging with a Charging Order would be greatly appreciated. As interest rates look likely to rise within the next 12 months, the consensus at the moment is to get a new fixed rate deal on your mortgage a.s.a.p. I'm looking to follow this advice, but unfortunately, I…
-
To Offset or not
Could someone please help me, I don't fully understand an offset mortgage in relation to rates set against them and how it works. I currently have a £50k mortgage ending in July but in may I get a lump sum of £118k and unsure what to do at mortgage renewal thanks David
-
It is so difficult to decide!
Hi All, Im in the process of remortaging as my fixed rate with RBS ends in March. They are offering 3.49 for two year fixed rate and 4.89 for five year. The fee is £199. I am no expert, hence my post..but was wondering if anybody else thought this was reasonable? Two year or Five year?? I understand that it comes down to…
-
Best 3 and 5 year fixed rate?
Any ideas as to what are the best 3 and 5 year fixed rates are withr 20% deposit? Saw some rates with building society but they might be for their members only. what does this membership mean? does it just mean opening an current account with them? thanks
-
Pay Inrease
Am about to start looking to remortgage and am due a large pay increase as from the new financial year. Just wondered if I had a signed letter of intent from the company director, the increase could be included in any mortgage applications we may undertake?? If this is not sufficient would my Contract of employment be ok…
-
Another FTB Question
Hi All, Sorry for being repetative and asking another FTB question - did try the search but couldn't find anything similiar. I was just wondering what sort of mortgage I could expect with the following info: Completely clean credit history (requested credit report and this is confirmed). Earn 40k a year at the moment,…
-
credit card checks + effect on credit score
Hi all, Just wondering what impact a recent credit card application will have on our credit score for mortgage applications? We applied for an AMEX platinum cashback card, and while there should be no problems with us getting it, we are still waiting for an answer - rung them a couple of times and get the same answer that…
-
FTB - Mortgage fixed for 5yrs good or Bad
Hello, Me and My husband are first time buyers looking at some mortgage options available with 10% deposit. Many banks are offering in the mark of 5.38-5.99 fixed for 2years. But saw a new deal today in Coventry building society which is 5.69% fixed for 5yrs. We are getting tempted to go ahead with it as most papers say…
-
including child tax credits in mortgage application figures-the perils of.help!
We are in the final stages of applying for a mortgage. The lender has now decided they would like an acreditted prediction of what we will be awarded in Child Tax Credits for the year 2012-2013. This because our income went up during 2010 and they want to know how a full year on this new income will affect our tax credits…
-
Acenden Mortgage- Help please
Ok since Dec 2009 I have not paid my mortgage by direct debit.. my partner was layed off work for 3 months and we got no help at all towards mortgage costs (we are 50% shared ownership) Both of us on weekly pay too it was so much easier when he did go back to work to pay by bank transfer on a weekly basis. Come June 2010…
