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fixed rate ending
i have £75k outstanding loan 1 £22k fixed until 04/12 loan 2 £10k fixed until 04/12 6.45% early repayment charges £1800 loan 3 £43k 5.98% fixed until 07/11 Santander have asked to contact them if I am looking for a new deal any advice gratefully received
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Buying a house with a friend - pitfalls?
I have discovered a way of buying a house, which would be fantastic, but I thought I would ask you clever people if you can foresee any pitfalls. I earn about £23000 a year, and I get £6000 a year child maintenance and a little bit of working/child tax credits (not sure how much yet as this is being recalculated because I…
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Travel and phone insurance that comes with some current account deals?
Looking at new current accounts and considering ones that offer free travel and phone insurance. Are these insurance deals actually any good or are they limited? I'm considering Coop or Smile (same thing) at the moment. Any info welcome Thanks
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Bad credit mortgages
Does anyone know of any mortgage lenders that lend to people with bad credit?
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Please help!
Hi All and thanks for your help in advance. I am on 5.49% fixed for 5 years with Britannia. I took the mortgage for 14 year and now I have 11 years left. My mortgage contract with Britannia finishes in December 2012. Since the rates for fixed mortgages are quite low at the moment, I was thinking about remortgaging for 7…
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AVIVA endowments
just wonderd if anyone had one mature latley and how it did
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New mortgage/remortgage/equity release advice please...
Hi, My partner and I are hoping to buy our first house together at the end of the year and I'm a little unsure what's going to be the best way of doing this. My partner has his own house (which we live in) that is worth approximately £90,000. He has no mortgage on this. He is hoping to rent this out when we move to our own…
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Help-in debt but is remortgage the answer. Advice pls
I am just contacting you as we need a little advice regarding our mortgage and debts. Our property is at a value of around £186,450 and the amount left to pay on the mortgage is £74,000 (we borrowed £129,000 including the interest as we had a large deposit). At the moment we are on a tracker mortgage and our monthly…
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Nationwide mortgage rejection
Good morning all Me and the missus are selling up after 1 year into our 4 yr fix with nationwide due to house location and were looking to port our mortgage to a new house and possibly take out a further "top up". Nationwide rejected (went direct) due to credit score. In the time since we were last approved for a mortgage…
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Need some Advice
Hi Basically I am looking to get a house I am pretty sure I will have to rent but I need some advice I live with my girlfriend of 9 years and her little girl of 11 but she had this child with another parent so gets child maintance, Does this mean we would not be able to get a morgage? If we moved in together would she lose…
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Can you have more than one mortgage?
Anyone know if its possible to have two motgages on two houses. iI know about buy to let but really i just want a small holiday flat by the sea and not rent it out / holiday let it. Anyone got any suggestions?
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Halifax - how quick are they?
Hi We've applied for a mortgage with Nationwide but I'm starting to think they won't offer us the full amount we need due to SE partner's verifiable income for last year coming in lower than expected. So for plan b we may apply to the Halifax as their affordability calculator says it will offer us the amount we need, based…
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Interest Rates - Bank of England Views
There are essentially 9 individuals in the Monetary Policy Committee that decide the base rate. In January 2011, 7 members voted to maintain at 0.5% and 2 to increase by 0.25%. In February 2011, 6 members voted to maintain at 0.5% and 2 to increase by 0.25% and 1 to increase by 0.5%. The minutes published this monring can…
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DipMAP Qualification
Greetings all, Is there anyone on here with the new ifs DipMAP qualification? Thanks. M
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Is the SVR of a bank a guide to how much they are above base-rate?
Hi there, I'm looking to get a mortgage at a 5 year fix (seems to be the sensible thing to do, is it not?). I notice that the SVR's that these mortgages reverting to after the 5 years are varying between 2.99-6.99 percent depending on lender. Considering that the base-rate is 0.5%, is the current difference between that…
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Advice on a sticky situation.
Ok I am posting on behalf of my mother so please bare with me. My Mother and her husband have been together for a few years. He isnt a very nice person (very controling and agressive) and mum has wanted to leave for ages but hasnt had the courage. This morning hes told her to leave and never come back and said he will…
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Anyone who might know the minds of banks?
I fought long and hard with my broker and bank to get a decision of how much I could borrow from them before I went off to find a property. I gave them minimum values of everything of me on £36000 per year and my wife on £13400 per year. No overtime no bonuses. They said £181000 lending. Found somewhere, offer accepted…
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Life Policy - Expensive?
An independent advisor (through HSBC) has advised us as a couple to go for the BUPA life policy. This covers the most ailments (47 I think). He typed the numbers into the program and this was apparently the cheapest option as well. Our mortgage is £340,000 over 30 years. He has quoted us just under £130 per month. This…
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Offset mortgages
Forgive me if this has already been asked before but our current fixed mortgage comes to an end in September. We are thinking of moving to offset. Here are the figures: mortgage £120,000 savings £15,000 monthly savings @£1,500 Now I know I could make overpayments with the money we save per month but I want the comfort of…
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Self cert mortgage
I am after a self cert mortgage, but the money will be used for a business start up. Is this ok? I am a home owner and have never had a mortgage. What is the lowest amount that can be borrowed, I only need about 15 grand. Cheers Mortgage advisers feel free to PM me, I would rather deal with someone off here than a high…
