-
Endowments-cash in or carry on??
Hi, I would be grateful for any advice on whether to cash in our endowments and pay a lump sum off the mortgage or persevere in the hope that they might improve.I know no-one has a crystal ball for this one but any help that would make my decision a little clearer or options available would help. My mortgage is with C&G…
-
when should first mortgage payment start?
I've had my mortgage offer in the post this weekend as the valuation has taken place and all is ok. It says on it that it assumes the mortgage will start on the 3rd March 2011. I haven't even exchanged contracts yet so the house isn't mine yet and therefore shouldn't be paying anything yet, surely you don't pay your first…
-
6 Months Into Tenancy Landlords Lender Seeking Possession Can I Buy?
Hi All, I will try to keep this short ....to the point and would really appreciate some advice :) 1 -We (Wife and 2 children) have just returned from working abroad. 2 -We are 7 months into a rental contract as we cant buy as self employed now and need 3 years books. 3 -Post for landlord all arrives here and as such some…
-
Woolwich Mortgage
Hi, I'm currently on a fixed 2 year deal with the Woolwich which ends in August 2011. I'm already thinking about what I will do when the deal ends. I've had a quick play with comparision web-sites and The Woolwich is always listed as the top 10 best mortgages for me, all with better rates than I currently have. I wondered…
-
aip worth anything???
when i bout a house a few years ago I had an agreement in princple which to my understanding was as good as a mortgage. then went ont to buy a house. fast forward to now ive spoken to a broker who spoke to a bank who did a credit check and offered me a morgage. the broker assure me ive got the mortgage if i want it but I…
-
Endowment maturring
I have an endowment maturing soon,,I have 2 diffrent endowments to add up to value of the 2nd house i bought,when I get this can I stick it in a bank account to gain intrest ,,or do I need to pay it to morgage,,and if I do wwill I get charged for making a large payment to my morgage,,ps Im on benefits,,so if I put money in…
-
Endowment performance with current interest rates
I am looking for some advice......I have a few endowments all set to mature in 2015 to a set combined figure of £65k. However assuming that the growth of these was based on the higher value attracting a reasonable interest rate in their last few years, I am concerned as to how they will perform in the last few years with…
-
Consent to Let with low LTV
Hi, I'm currently living with parents, but have had my own (mortgaged) property in the past. I intend on buying my Grandmother's house as she intends to downsize since the passing of my grandfather last summer. She is on a waiting list for retirement housing. In the meantime I am considering buying another house to live in…
-
First time buyer needs advice!
I was just wondering if anyone here has any experience with or knowledge regarding my current predicament. I'm looking to buy a house for the first time with my partner. We want to borrow £90,000. He earns £18,000 and has a good credit score and has a deposit of aproximately £40k to put down. However I have £20,000 to put…
-
Consent to let issue, please read help needed badly!
Right, I think I might be in big trouble and I could do with some advice. Here is the story I will try to keep it brief. In 2006 I bought a house, using a (what I now know is horrendous) Northern Rock Together mortgage. I now know that it's really bad but I was 22 and looking back I was really badly advised, I didn't know…
-
Hi
Hi everybody. I just registered here, and this looks like a great forum. Very professional and friendly. Keep up the great work:rotfl:
-
Percentages, deposits, nightmares and me...
Hi all Looking to do a part ex deal with Bellway for a 5 bed new build and need a bit of advice. We a currently have a repayment mortgage with Barclays and want to increase our borrowing on an interest only basis by 90k. Barclays have told us that in order to get an interest only mortgage of any type we need 150k down and…
-
New mortgage? Probably unlikely
Hello, Myself and brother are currently in a mortgage with MAS and our 'good period' is due to end in June. I'll be honest the past two years have been RUBBISH. I have a CCJ. My brother and I are on a debt management plan and there has been a missed mortgage payment in the past year (it will not be in the last 12 months…
-
Question for the mortgage brokers or anyone else who could help
post deleted
-
mortgage retention advice
i have applied for a mortgage with a bank, after jumping through hurdle after hurdle for them they have now said that they will give me a mortgage however it has a full retention on as the property has building work required on an extention, this does not affect the main house and i believe it is unfair of them to put this…
-
mortgages with no early repayment charges
Appreciate if anyone can tell me where I can find table of mortgages (residential and Buy to Let) which have no early repayment charges. Ideally I am after a 80% Loan to Value so any you may know of at the moment would also be greatly appreciated. Many thanks
-
Broker fees
How much do broker fees tend to be and what do you get for that fee? Searching for a suitable product? Completing the application form? Carrying out ID checks? Affordability checks? Lender queries? Surveyor queries? Something else? Thanks :beer:
-
Halifax Build Mortgage - More funds needed
Can anyone point me in right direction please. We bought land and property outright for £150.00 and funded a large amount of the renovation costs. We applied for and got a build mortgage with Halifax for £115k which started in Jan. Their surveyor valued property at £390K when complete. we are nearly finished with final…
-
Does a mortgage quote leave a credit file footprint?
Hi everyone, I'm a first time buyer looking to take the (very scary!:eek:) plunge into the world of mortgages. I have a fairly good credit file and a decent deposit, and now need to start looking for a mortgage. My first stop should probably be a broker, and I've looked at a lot of the very helpful :A broker advice on…
-
Fee-Free Mortgage Brokers in Sheffield
I've had a couple of meetings with Mortgage advisors and found that if I were to go with these brokers that I'd be paying either £299 or £399 in broker fees. So I just wondered if anyone knew of any fee-free Mortgage brokers in or around the Sheffield area? Thanks for any help, it's much appreciated. :)
