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credit file?? not sure where to put this
i have lived abroad for a number of years and i rented my uk residence out to 'foreign' students--i stopped it about 12 months ago but i have incurred lots of 'unwanted' mail from credit agencies -the worse seems for unpaid parking finies. my credit file seems unmarked at the address and i now wish to raise some money on…
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mortgages
If you are already on a mortgage and ur friend wants to come on it who has recently been discharged will they let her? and will the person already on the mortgage have to be checked again thanks
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Mortgage, early repayment fee ended now do I...
I would like our mortgage to stay with Santander to save any, I assume, rigmorale going with another lender.. Trying to save money wherever poss at the moment so do I stick on the 4.24 variable..go 2yr fixed at 4.69 or go with tracker tracked 2yrs 3.99.. I took risk last time going with a tracker and it really paid off but…
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Morgage and Flood Risk
Hello all. We have a mortgage in place with the abbey and have just had search results back from solicitor. However one of the searches shows a moderate flood risk in my area which is quite normal if you live by a river. My solicitor has had to send this info to the abbey so they can verify if they will still provide…
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Help re house falling down please help
Hi there, excuse me if this is the wrong forum, i don't know where to start. Bascially I have a mortgaged house - interest only, my husband left me two years ago with my six year old son. He still pays half the mortgage but that's it. Basically I work part-time to look after my son, and my house is a mess. My roof is…
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assessing the amount of lending i can get on a BTL
i have a flat worth about 175k/170k and rents for 775 ish--i am looking to see how much i could possibly raise on a BTL--i had an İFA say i would comfortably get 95k but i am wondering how high i could go???-i own the home i live in outright and have a small income in the uk---my income and life is abroad!!
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What exactly is a "fast track" mortgage and how long do these generally take?
Our broker now has everything he needs to process our mortgage application tomorrow. This is a 'fast track' application, and just wanted to check what this is. I'm guessing it is just a quicker way of appplying? In which case when would we be likely to receive a decision? The mortgage application will be with Accord if…
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For Self Employed Mortgages which Lenders Accept Tax Calculation SA302s
Which lenders will accept the SA302 tax calculation form to prove your income for a self employed mortgage? (As opposed to having to pay an accountant to verify your income). Thanks
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Property Valuation Query
Hi, Lender has instructed the valuation of the property and I am wondering how common it is for the prospective buyer to be arround when they come to the survey? Do people stand by while they carry out the survery or most people trust the surveyor that he will have a proper look arround? Thanks,
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acenden mortgages advice please..
I currently have a mortgage with Acenden, previously capstone, previously preffered mortgages and i am have a nightmare!! I have already made a formal complaint last December and now thinking of making another one..First i would like some advice please.. In March i had a payment set up regarding a shortfall of this month…
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selecting a buy to let--tracker or fixed atm?
İ have a financial advisor asking me all sorts of questions about what he is on the lookout for on my half and i am siimply clueless! At the moment i see interest rates as staying flat(i thought i heard rumour that deal rates were actually coming down at present). İ am quite 'liquid so it is more of getting the right deal…
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Lack of CIC on Endowment
I have an Endowment taken out in 1993, maturing 2018. The endowment has performed badly being worth less than iv'e actually paid into it. and will likely reach about 40% of the sum it was supposed to yeild. It does however include life cover and some level of disability cover. I never made any claim over miss selling when…
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A&L SLV customer new deal with Santander or approach broker for new deal?
Hi, thanks for reading my post and thank you for any advice offered. My partner and myself are ready to move up the ladder as we've lived in our present home for over ten years. We have 90k (half equity, half savings) to invest in a new place and would require to borrow 70k to purchase a property we fancy. We both earn 19k…
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Buying parents house
My mum and dad are finding it difficult to survive on their pensions. They have a property worth £220,000 and have an interest only mortgage of around £90,000. They would like to sell us the house at a reduced rate to release some equity. They would move into our smaller property which we would still pay the mortgage on.…
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Remortgage - Question about SVR
Hi everyone, i was a first time buyer 2 years ago and my fixed rate mortage with santanderr has run out and now im on the SVR of 4.3%. House worth £155,000 Mortgage remaining £96,500 LTV 62% Debts £0 Im contemplating going for the ing direct deal of 1% below their SVR which is 3.5% for 2 years with no fees.…
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Advice Please
Hi can anyone offer some advice please we are changing mortgage to Nationwide I received a phone call to say everything ok but your husband has another mortgage in his name only on your property started on the same day we took out our existing mortgage only advice they gave me was to get a copy of credit check from…
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Benefit in Kind Tax
Hi all, I work for a high street bank and three years ago took out a staff mortgage. At the time of taking out the mortgage the sales adviser did not provide any information regarding BIK tax so it was a complete shock to me when I started receiving letters in November last year advising me of underpaid tax and changes to…
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Re-Mortgage to pay off £16,000 ?
Monthly income after tax £1800 Total Monthly expenses inc. mortgage £1345 Remaining Mortgage/pcm: £398 over 16 years @ 5.89% fixed Mortgage owed £71 K House Value £125 K Assets Cash £500 Unsecured Debts (Approx) Description....................£Debt.........£Monthly...%APR…
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Defaulting on two mortgages and going abroad
well it happened !! four years ago i owned 5 properties, 3 houses of which one as the main residence and the other two were flats, which i use to rent for tenants. It all went well until the crash came, and i could not sell any of the flats, but i manage to sell the main residence, the other two houses for little money,…
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First Time Buyer trying not to reinvent the wheel
Hi, I'm looking to buy my first house in about 6-12 months and would be grateful for any advice from those who have been down this road on what mistakes I should try and avoid to save money, time and stress. Deposit of £20,000 2 bed property Up to £100,000 Household income of £40,000 = £24,000 after tax Will rent out one…
