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Together Mortgage - Unsecured Loan
Does anyone know what happens if you redeem a NR Together mortgage - but only the mortgage part - and the unsecured part is kept 'running'? My sister is selling her house, she expects to sell it for just about the amount owed total, however she wants to use some of the sale value to consolidate other debts she has at a…
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advice needed re:equity, debt and moving
Need some advice please. Our situation is that we bought just before the crash and have been waiting longer than we wanted to move to a bigger property. We have a good amount of equity (about £170,000), but 2 loans (16k combined) and a large agreed overdraft of £10k which we have had for about 3 years and just don't seem…
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Stay on a 10yr fixed or pay the penalty and change??
Hi there, We have a 10yr fixed rate at 5.54%, 7yrs left, £21963 and additional borrowing, 3yr fixed rate at 4.99%, 1yr 2months left, £10310 left. Still got 11 years left with both. We have decided we want to start overpaying and eventually get rid of the mortgage, I phoned the skipton, and they have set our direct debits…
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Interest only for a few months???
Hi everyone - this is a new board for me! I have had the offer of a few months of interest only on my mortgage and because of the tightness of my budget with CCCS I am wondering if this might be worth it in the event of my 15 year old car not making it through the MOT and needing hundreds and hundres of pounds work? I…
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transfer of equity
hi all, i have a flat with my ex that we left allmost three years ago, its been being rented out since, but theres still the tie with my ex which i do not want, the property is in quite a bit of negative equity ~30k, i want to take my ex of the property as she wants this also and keeps moaning about how its costing us £100…
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Changing mortgage deal during application
I am currently remortgaging with the Yorkshire Building Soc. I have chosen the 5 year fixed 85% LTV help with fees @ 5.69%, however the YBS seem to have now reduced their rates and the same deal is now available @ 5.29%. As our remortgage is yet to complete (still with solicitor) what are the chances of the YBS allowing me…
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likelihood of being approved for a mortgage
Hi all, I am about to apply to take over my flatmates share of our joint mortgage. Obviously I have to undertake a mortgage application with the woolwich to ensure that I can afford to take it over on my own. I currently earn £45000 approx. The mortgage amount is £92000. It is shared ownership and the monthly rent is £500.…
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Current Good Mortgage Deals?
Seen a property we liked today and looking at the mortgage deals now am i right in saying that ING direct are offering the best deals for 20% deposits? Also how long does a mortgage AIP take usually? We are seeing the Financial Advisor in BAirstow Eves this coming week but was wondering if its actually possible to get a…
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That spammy thread that just got deleted!
He was selling card and paypal details!! :eek::money: the police!
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Remortgage - valuation advice needed
Hi, my partner and I have the chance to re-mortgage earlier than we had thought as he is now eligible for a staff mortgage with his employer. Although we will have to pay an early repayment charge we may still save money over the next year with a significantly lower interest rate. I am confused as to how the valuation…
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Exit Fee so close to end of term - any way to appeal?
Hi Were close to selling our existing place but the mortgage with satander is subject to exit fee from deal of 3%. I thought (my fault) that this would reduce with the term of the deal. Given that the deal ends in a just over a month do I have any grounds of appeal against it? I know its a long shot and I have a deal in…
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Transferring a mortgage but house not ready
Our mortgage product has come to an end and we're currently on the Bank's variable rate. It's not colossal, but we want to try and fix in on a similar rate for another 5 years. HOWEVER....our house is currently on the market and the house we are thinking of buying isn't even built yet. I know that a mortgage has to be…
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Is there something wrong with Experian??
Sorry this is quite a general question, but it's to do with a mortgage application for me so I've posted in this section. I have a clean credit file, the only open files on my report are my current account (not overdrawn), my bank credit card (credit limit £1000 - balance £200), Gas + Electric DD - up to date. My credit…
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Has my mortgage application been approved?
The woman in the bank said that i have passed the affordability and credit screening and all that remains now is for me to pay for the survey on the property I am buying. Providing that survey goes well, does that mean my mortgage application has been approved or is there something else that can go wrong?
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prob a silly q! mortgage application
Hello everyone ! I think that this is probably a very silly question but I'm going to ask anyway ... 20 years ago when I got divorced I took on all the debts, got CCJs and paid back through an attachment of earning order. Everything was paid back probably about 15 years ago. I still live in the same house and am looking at…
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Can I ask for a statement? (Halifax)
I am very concerned! I always contact the mortgage advisor at Halifax before I put ANY overpayments in, but I put in £1150 yesterday (after her telling me I could put in up to £1190) and it's gone down by only £800! I am seriously concerned now, as I put in £10,500 a few months ago (after having put not much in for a…
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BTL Mortgage worth it?
Trying to work out if its worth a BTL investment of 120K and the aprox rent would be 115wk. Can someone tell me the average mortgage rate for a btl mortgage with a big deposit these days?
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mortgage advice
My husband and I have separated. He wishes to sign the joint mortgage over into my name only. Therefore removing his. Is this possible?
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*ANSWERED*: Bankruptcy Search AFTER EXCHANGE! - Can HSBC now pull my mortgage offer?
Hi, I have an agreed mortgage offer with HSBC and have recently exchanged on the property I am buying. I am due to complete in 6 days time. My solicitor sent me an email after performing the bankruptcy search with the land registry, asking me to confirm that the resulting entry which had been found was not me (she…
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Declined to move mortgage to new property!
Hi, hope i can get some good advice ! :) We currently have a mortgage with Santander for 198k (20k) deposit,fixed for 5yrs. We put this property up for sale last summer and we have finanlly sold!!!!!! BUT!!!! We informed Santander about this and just presumed we could transfer our current fixed mortgage over to the new…
