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Obtaining actual selling prices on new builds
Hello all, I posted this question on the Buying, Selling and Renting forum but would not many replies. So, any of our resident experts know how I can obtain selling prices for a new build development in Scotland? The Registers of Scotland site doesn't seem to list these sales. Thanks
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Remortgage dilemma - advice sought
Hi everyone Have lurked as a newbie on this forum and have read lots of posts but can't quite reach any conclusions so your help would be much appreciated. We currently have a mortgage with Natwest which has reverted to an SVR of 4%. We are looking to change this mortgage deal and are unsure exactly which way to go. The…
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Branch or call centre?
I've decided trying to speak with a human may stand me in better stead with Santander than just sending off a transfer of equity form - given your past experiences, would I be better off trying to speak with a mortgage advisor in branch rather than whoever answers the phone in a call centre? Thanks
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Mortgage Application woe
Hi all, First post hopefully not my last! I recently applied for a mortgage with Leeds Building Society. The product was a 5 year fee assisted fixed rate at 5.13% on an interest only basis for a LTV of 80%. I applied for this rate on the 10th January. Sent the cheque for the valuation a few days later plus the relevant…
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Tenants in Common - percentage share of property calculation
Hopefully somebody with a good maths brain can help me out here. My partner and I are taking are taking out a joint mortgage as tenants-in-common on a property which I have owned for around 9 years, and are wondering how best to divide the property when we come to sell. Assuming the property has not decreased in value, we…
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help needed urgently
I am in a state of shock. My husband, who was recently made redundant and suffers from Parkinson's disease and deafness, has received a letter this morning from his mother's solicitor accusing him of fraud. He bought a house 23 years ago with his mother and paid the mortgage until he moved in with me a few years ago. His…
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Halifax SVR... after reading previous treads..
Helpdesk...advised no cheques for current customers.. Good morning all... My dates fit into this situation perfectly ....£213k Mortgage Jan 07 fixed and ended Dec 08 been on SVR ever since...:j:beer: I decided to call the Mortgage Helpdesk and asked the qusetion "im a current customer and fall into the dates, is it the…
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one year contract
Hi guys, My husband has recently changed jobs and started his new job in February. He's on a one year contract (of which the first 6 months probational). Would this keep him from being able to get a mortgage? Thank you :)
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Low LTV mortgage
I am looking to renew my mortgage (after a tracker rate has expired) and cannot find a good deal for a very low LTV mortgage ? £62,000 mortgage on property value £450,000 Any tips to negotiate a deal or any good % rates for Low LTV mortgages about ? - It has to be a win win for the right lender based on the figures above…
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House hell woes :(
Hi there, I am after some much needed advice . I shall try and be as consise as possible. 5 years ago and with a disabled child, myself and my common law partner moved to the area to get onto the property ladder. He worked full time, I was a full tiem carer to my child. We where living in dorset and renting, houses where…
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mortgage application help
Hi everyone, So me and my partner are about to get a first mortgage together as FTB's, and I would appreciate a little bit of advice if anyone could help!! We are wanting to apply for a 2yr fixed with Santander at 5.45% with 90% LTV. The question is how strict are they going to be?! We can easily afford the repayments on…
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seperation
Ive just seperated from my partner and not sure what happens regarding the mortgage. we have two children together so i need and want to stay in the house that we jointly have a mortgage on. i can afford the mortgage payment by myself so is it that simple? do i need to tell the mortgage lender? what happens long term say i…
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Mortgage Valuers (Which lenders use which valuers?) - Advice Please
I want to remortgage over the next couple of months, but after been hit with a low valuation by e.surv when I mortgaged with YBS 3 years ago, I want to instruct my own valuation before I apply to remortage. I am considering the Post Office, Northern Rock and RBS at the moment and I was wondering if anyone new which…
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fixed rate ending
Could someone give me a bit of advice please our fixed rate ends at the end of march so we will go on the variable rate which is 2.5% our mortgage payments will be £105 a mth less would you leave it at that are go for another fixed as follows. 2yrs at 3.49% fee £999 2yrs at 3.89% no fee 3yrs at 3.89% fee £999 3yrs at 4.19%…
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New build mortgage - fixed vs tracker
Hello, We're currently buying a new build with 90% LTV - we've been to a broker and there are 2 deasl we can get, one with Santander and one with Skipton. The skipton is a 2 yrs tracker, tracking at 4.38% above the BOE base rate The santander is a 6.19% fixed for 2 years there is £150 difference between the payments on the…
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New Homes Mortgage Helpine - any reviews?
Has anyone used these people before, got anything good or bad to say about them? Thanks :beer:
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mortgage tussle
I am looking to remortgage. I can't quite get enough borrowings at the best rate being offered because I have money on credit cards which is hindering the best offer. The next best offer is £80 pm more. So - should I pay off my cards (both of which are on 0% interest) and leave myself with no savings? My head says yes -…
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Mortgage valuation
Hi, I'm looking to remortgage in the near future and have used Zoopla to calculate the LTV I'm looking at. The problem is that it values our house at £206k but it values the two identical houses either side of us at £246k and £248k. We bought this place nearly two years ago and got a bit of a bargain as the sellers wanted…
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Mortage Advice
Are combined repayment and interest only mortages still available and if so what is the criteria
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help can i get a mortgage with a default?
Advice please Me and my husband are planning to sell our house for approximately 175k and buy another house for 160k. We plan to put 50k Deposit. So we need 110k mortgage. We plan to refurbished and renovate the new house. Husbands salary is 37k and mine is 23k. My husband has a very good credit rating. I have recently…
