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Mortgage for Property Above A3 Unit
:A:APlease help???? My boyfriend and I found a beautiful split level flat in London above a restaurant which we fell in love with so we put in an offer and had it accepted!! Woo! But then we got very excited and when our mortgage broker (London and Country) tried to find us a mortgage ONLY 2 lenders in the country didn't…
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"Discount" Mortgage?
Hi chaps, just a quick one. Browsing the "best buys" in the weekend papers, it seems that some of the best mortgage deals are "discount" mortgages, e.g. one building society offering 2.49% fixed for two years (at 75% LTV). That seems great, but what's the catch? How does such a mortgage differ from any other?
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Smi
has anyone got this awarded on JSA contribution based not income based.
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RTB with councill tax arrears
How can i find a morgage lender who will pay my council tax bill and then lend me money to buy my RTB council? i want to buy my council flat but i have stupidly raked up a £6,000 council tax bil, it was £10,000 but i have paid £4,000 towards it. Im trying to find a company that will lend me £6,000 prior to lending me a…
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Question about Credit and electoral roll
I move back home to my Mothers November 2009 and asked her to put me on the electoral roll. My Partner at the same time moved in with his mum so we could save our depsoit. We are coming to a position now where we are able to buy a house the next year. I found out a few days ago that my Mother didn't add me to the electoral…
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General Advice Please.
Good Afternoon All, I was after a little bit of advice if you can assist? I have an mortgage with NRAM and am currently on their SVR (my fixed term ended June 08). I am overpaying, but only by £75 a month. My LTV is 88%. I have a credit card (£3,500) and a loan (£12,000 to pay off the Ex from the mortgage). Savings £1,500.…
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Need some help with a couple of question?
Hello, I have just moved onto income based Jobseekers allowance and i have been sent out some forms about my Mortgage and Payment protection. I bought my parents home and the only part i have played through the years was paying the motgage and payment protection, my parents delt with all the paperwork. They are getting on…
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Chances of getting FTB mortgage
Hi all, my first post here. I am looking at buying a house (76k value), and have £8.5k to put down as deposit. I am buying the house alone. With a salary of £27k (plus £5k for living abroad), am I likely to be approved for the mortgage of £65.5k? My outoings are £160/month on a loan, and I owe about £3k on a c/card which…
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Financing a Leasehold Shop!?
A sports shop has become available not far from where I live. All the information I have so far is, it's £35,000 annual rent. The turnover is £375,000 per year. What is the norm for taking over such a business? Do you pay the £35,000 as a one off using a loan? What option would I have? I have approx £3000 in savings and…
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Solicitors for re-mortgage?
Hi all, I'm about to re-mortgage for the first time and just found out that I need a solicitor for this, which I didn't realise. What does a solicitor do on a re-mortgage and roughly what would I expect to pay? Cheers!
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FTB Near completion need advice
Hi me and my gf have been looking at properties for a while and decided on a new build worth £172,995. As my uncle is in the trade he advised on having a snagging inspector to view the property & has been completed & given the site manager prior to completion. We have decided on the shared equity as our deposit size…
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5 yr fix v tracker
I know this will have been covered many times, but I have the option of a 3.89% 5 yr fix reserved some time ago that will expire at the end of the month. Other option is a 1.99% tracker (ie:2.49%). Anybody got a crystal ball to know which likely to be most sensible? I could take the hit with some rise in payments, but…
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Halifax Mortgage Goodwill credit????
I have recieved a letter today from Halifax to say they have credited our mortgage account with X amount , this is due to a complicated description of a certain paragraph in the mortgage terms based around base rate. Not sure what it is? Do we accept this or can we take it further???? Anyone else get this??? Thanks
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Topping up the mortgage
As I didnt have the benefit of this site when I was missold my endowment mortgage in the 90s I thought some of the savvy savers on here could advise me for the best course of action. I'm currently over paying my now repayment HSBC mortgage and have around 5 years left to run with 9K outstanding. We need more space and the…
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ground rent
I own a house in Manchester and a few years ago money was taken from my bank by the woolwich who i have my mortgage with as they said my ground rent was in arrears. Can anyone tell me where I find out who to pay my ground rent to please?
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Buy-to-let mortgages before 6 months ownership of first home?
Hi all.. I just bought my home about 2 months ago, and was wondering if i wanted to get a buy-let-mortgage i could do it? I have clean credit. and 25% deposit. I heard that lenders will only lend after 6 months of ownership of your first property. But there are always exceptions... Is there any lender? Thanks
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Repossesion/ mis sold financial product
Hi, can anyone give me any advice about the following situation please. i approached my mortgage company several years ago with the view to remortgage, they refused this but offered me the same amount as an unsecured personal loan. Over the last few years i fell ill and was unable to work, i fell behind on the payments and…
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Halifax Pulling Out Of Mortgage Deal
Hi, I'm just after a little bit of advice. Last week we were accepted by Halifax for a 90% LTV mortgage after we applied through a broker. Credit checks went through fine paperwork sorted etc. So we made an offer on a house which was subsequently accepted. Mortgage offer in principal sent through to owners who were then…
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Am I too late to claim for mis selling
Hi, I purchased an endowment policy in 1991 to repay a £35k mortgage at a premium of £43 per month. This was sold to me by a firm of solicitors. I first received notification that it would not meet its target in 2001 and at the time had a projected short fall of £8k based on 6% growth. I did nothing...and nothing every…
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Is Joint Equity Being Squeezed Out ?
We want to help a younger family member put together sufficient deposit to buy a property. Joint equity (tenants in common based on percentages owned) seemed the best way. A proper trust deed etc would be drawn up by a solicitor. However, in investigating mortgage options via a broker, the family member finds that lenders…
