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Redstone mortgages won't refund my fees!
Hi, I had a mortgage with GMAC who, last year, refunded my arrears charges in full. The same happened with DB Mortgages, who wrote and refunded all of my fees plus interest. However, Redstone say they won't refund the £50 per month arrears fees. I was in arrears and was taken to court for repossession, but everything was…
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how is a mortgage paid?
Hi all was hoping somebody could help. Could somebody tell me how you receieve your money from a mortgage company if you re-mortgage a house you own? Obviously the money doesn't need to go to a solicitor etc. Is it commonly paid by cheque or bank transfer? Thanks
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Need advice
My nieghbors husband recently passed away and his wife wants to stay in the house, there is no mortgage on the 4 bedroomed detached house and is valued at over £200,000. Unfortunately she will not recieve enough money to pay all the bills, and does not feel happy with renting out rooms. At her age 41, there are not many…
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Mortgage expires May, Endowment policy Oct, + am I too late to claim mis-sold ?
[FONT=Arial, Helvetica, sans-serif]I have an Endowment Mortgage which was taken out originally in 1986 with a company called the 'X'. It was for £32,000. In the subsequent years I've had a long term illness and have little memory (or paperwork from the 'X') about what happened next. My mortgage is currently with another…
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charging order but need a transfer of equity HELP!!
Hi there, Would appreciate any help / advice ! My husband was previously married, and the mortgage was in his and ex-wifes name. She left and they divorced but the mortgage was still in their joint names although for the last 7 years my hubby has been solely responsible for paying it. His ex-wife is happy for her name to…
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When are going back to 10% or even 5% deposits
I think it is now widely accepted that property is not going to fall in value all that much if at all in the next few years. So why are new buyers having to cough up at the very least a 15% deposit. I was wondering what the boards thoughts were on this, surely it cannot be long now before we are back to 10% then even 5%…
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Santander Mortgage Joke
Hi all, Ive just beed on to santander about a new mortgage and what they can offer in terms of fixed rate mortgages. is such a joke:- :mad: 1 year fixed rate 4.69 % 2 year fixed rate 4.99 % I've already got a mortgage with them 4.24% @ Santander SVR, plus I qualify for loyal customer benifits (not that there are any at the…
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Buy to let mortgage advice.
Hi all. My mum has very recently inherited 2/3 of my grandmothers house, the other 1/3 has been left to her sister. My mum has decided that should would like to buy the 1/3 from her sister, renovate the property and let it out. The price has already been agreed with her sister and she basically needs to pay her £130,000.…
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Mortgage on temp contact.
Having moved from a permanent position into a temp role. I am now worried how this will affect me trying to get a mortgage, I have always worked full time and have therefore been paid every week. I work in the nhs who won't recruit permanent for two years. I am on a rolling contract and am told that they want to keep me…
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First Time Buyer
Hi, I am a first time buyer and looking at houses in region of 100,000 maximum please can you advise of any mortgage deals where the deposit is low! and what the best process would be to get on the property ladder Cheers
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Advice - combining mortgages in to one
Hi Hoping someone can advise. I am just checking out some stuff I should have looked at years ago! My partner has mortgages (about 4 separate accounts from remortgaging) with Alliance & Leicester on a property and they are interest-only terms. We do not have an endowment of any kind and I really want to get paying it off…
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remortgage?sorry, long post!
Hi there, I took out a mortgage 3 years ago, on a fixed rate (5.23) to buy my ex husband out. This is due to finish in July. The mortgage is with Yorkshire Building Society, btw. I did shop around, but as I am (now) a single parent with 2 children working pt, I went with Yorkshire as they took into account other forms of…
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fixed rate coming to an end
Hello, Fixed rate with halifax ends in september , whens the soonest i can look to secure a new rate hopefully have 25% in the house so need to borrow 75% , current rate is 6.39% , what should i be aiming to achieve rate wise 4-5%? fixed Thanks :beer:
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what are my chances of getting a mortgage on a dmp
Hi all, Was wondering if any one has been able to get a first time mortgage whilst in debt and with a bad credit report. We are currently on a dmp with cccs but really want to buy our own house instead of keep renting but am worried we wont be able get one because of our situation. Has any one been in this situation before…
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Endowment shortfall...options??
Our mortgage is ending and our endowments are falling about £15,000 short. We could fund this with some share holdings that we have but would mean selling about 30% of what we have. Does anyone have any advice on whether it is best to do this and be debt free or arrange for another repayment mortgage to cover the shortfall…
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First-time buyer - £30k salary
Hi All, I'm a first time buyer, currently earning £30K. I have £10k saved up and looking to buy on my own, (in London). My plan is to get a new job first and then take a morgage. So hopefully, by the time I buy, I'll be on about £40k. What are my chances of getting a morgage? I have a good credit rating, no loans, a little…
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Remortgage or First Time Buyer??
Hi all, Sorry if this sounds a rather stupid question.. Me and hubby 2 b are looking at buying a house. We currently live in my house (i.e mortgage solely in my name prior to meeting him). Obviously we are looking to buy in joint names. Are we therefore classed as first time buyers???
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Buying a holiday home abroad
Hope this is the right place to post this question? we are thinking of buying a holiday home abroad, approx £80,000. Is it possible to ask our bank to add this to our mortgage please as we have approx £160,000 mortgage on a house valued approx £450,000+ does anyone have any ideas on this please?
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in need of a mortgage
hi guys im looking to buy my first property as i have just turned 30 my rough details are as follows income 30k saving 8k married with 3 kids 30 years old looking for a 3 bed property at least over 25 years with less than perfect credit any advice would be great i have a good job and have 14 years contract left with…
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Anyone with a calculator
My fixed rate of 5.09 is coming to a end with Santander i can possibly secure a 3.55 rate for 2 years. My mortgage balance is a total of £132000 with £40k of that on interest only. Can someone possibly tell me what the repayments would be . 1. if i put the whole 132k on 3.55 term 17 years 2. If i keep it with the £40k on…
