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Moving Country, Shared Ownership help!
Hello everyone. This is my first real post on MSE and I really am desperate for help! I live with my wife and 2 children in a 50% shared ownership property. My wife has recently been offered a dream job in Germany. She is German and we have lived there before so we intend to take it. Trouble is we have to go in the next…
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mortgage application
hello guys my husband is self employed and i am employed by him,we are looking to remortgage if we can , will it be ok for me to be employed by my husband on a mortgage application?
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Buy to holiday let mortgages
These seem hard to come by. Does anyone know of any lenders in this field?
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Endowment profits and child tax credits
Hi i'm new to posting in the forums and wondered if anyone could enlighten us on where we stand with regard to any profit we may make by cashing in our 4 endowments 3 years before they mature. Our original cover was for a 62,000 mortgage but we transfered 20,000 of our mortgage to a repayment (now paid up) several years…
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Switching and fixing mortgage deal
Currently I am on a tracker with nationwide that ends this December (2011) but have decided to look into taking up an offer by the building society to switch and fix for surety of payments for the next couple of years. I have reserved a deal of 3.39% with £995 arrangement fee however it would seem that just over a week of…
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Help: Question About Buildings Insurance in Mortgage Deed Conditions
Hi. I am in the process of re-mortgaging my house with a new lender. I have been sent the mortgage contract to sign, and was reading through the Motgage Deed Conditions, and noticed one of the conditions had a couple of clauses that gave me a little cause for concern. I'll condense it so it's not so long winded, but it…
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can i help my kids
firstly, i would like to appologise if this has been mentioned before, i have looked but i dod not find anything. My wife and I do not have a mortgage, we own our £110000-£125000 semi. My son is currently in around 10k negative equity on his flat with around (10k savings). he is looking to buy a house with his girlfriend,…
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Bridging loans
Hello, I am new to the board, but I am thinking of buying a house at an auction held in about a week's time. I would need a mortgage to be able to complete and the completion time is quite short, only 10 days after the auction. I was told by the lender they will not be able to guarantee the mortgage will be in place in…
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Mortgage break from with C&G question
Just to clarify, as I feel I've misrepresented myself a little! We are actually wanting to do home improvements as we rented our home for years and it was destroyed by the tenants whilst we were abroad (long story for another time.Some of the other work on the house is pretty urgent; exterior walls need protecting;…
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MSE News: Mortgage rates at six-month high
"Typical fixed rates stand at their highest level in half a year as lenders pass on rising funding costs to borrowers ..."Read the full story: Mortgage rates at six-month high
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Mortgage
My husband wants to buy us a home home and we had an offer accepted on a property which meant my husband needed a mortgage of £112k - I cannot go on the mortgage as I am only 1 year out of my bankruptcy (messy divorce with Ex) - although my husband has passed the affordibility test the IFA can only get us a mortgage of…
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Too soon for broker?
I'm looking to move out of my rented house in August when my contract ends, and hopefully into my own home. I'm a first time buyer with a deposit of £50000, looking at houses up to £150000. I haven't got a great credit history, always in my overdraft, often late payments, pretty much all down to mismanagement. I'm trying…
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Fixed rate about to end and go on tracker - advice appreciated
As the title says our 4.79 fixed ends this month and reverts to base rate plus 0.99%. If base rate stays low then I will be very happy as our payments would be around £140 lower per month. We are currently at around 89% LTV so can't really remortgage to another lender just yet and would like to take advantage of the low…
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Fiance has great credit rating, I don't - mortgage advice needed!
Hi, My fiance has a fantastic credit rating and always has - I however do not. I got into a lot of debt at uni and then fell seriously ill and so forgot payments etc etc, the result being that my credit rating is shocking. We are looking to buy our own home at some point over the next year or so. My question is, how…
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Remortage Help
Hi, I want to remortage and raise some capital (around 10K) for home improvements. I've spoken to my current provider and they can't help. Current property value is around £225,000 and our current outstanding mortgage is £188,000 so remortgage would be around £200,000 total. Our combined household income is about £61,000.…
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Woolwich withdraw five year fixes
Just got an update today that they are removing all 5 Year Fixed Rates replaced by new 4 year Fixed Rates.
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Expat Mortgages
Approxmately 12 months ago i emmigrated to Australia. I am currently looking to buy a property in the UK whilst overseas. I understand that I have two options, the first, to get an overseas mortgage with my bank in Australia and the second, to get an expatriate mortgage in the UK. Interest rates in the UK are cheaper than…
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Using a broker - useful?
Morning all. I went and saw a mortgage broker the other night. The best deal he found was also the best deal I had found before going to see him; Northern Rock, 5 year fixed at 4.49% with a 30% deposit. I'm looking to get a mortgage in principle from them very soon as I've seen a house I like and am thinking about putting…
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mortage runs out in may
hi our mortage runs out 26th may from a 2yr fixed when should i go to a mortage advisor as we are hoping to borrow extra for a garage conversion :) i rung first direct thats who we are currently with and they turned us down for 10,000 extra :mad: we owe £33,000 and the house is worth £112,000 does this sound right to you :(
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Lloyds TSB 120% Mortgages
I'm having trouble sleeping, so with nothing better to do, I've been surfing. I've just seen this about LloydsTSB 120% Mortgages http://www.lovemoney.com/news/property-and-mortgages/mortgages/11068/the-new-120-mortgage
