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Credit report - electoral roll question.
Hi, Hope i've posted in the right place. I'm going to be applying for a mortgage soon so i now have my credit report from callcredit. It looks fine, no late payments or unsettled payments. My concern is that the information for the electoral roll reads as below. Current address My…
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mortgage possible with old unsettled default?
Hi all, I have recently been accepted for the Lift housing scheme in Scotland and was declined an AIP by building society. They stated that they had little information to say why I was refused. I have an unsettled default on my credit file from over five years ago. Is this what got me refused and if so... is there anywhere…
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Fixed rate ending
Hi any help with this would be great - my fixed rate is ending and have been offered 4.99 by current lender, is it worth telling them i am not happy with that rate- are they likely to offer anything better , or do they stick to guns ?
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Cashing in Endowments
We are due to have quite a short fall in our endowments when our mortgage expires in 5yrs. We are looking at changing our whole mortgage to a repayment and extending by a few years to make things easier and we will just cash in the endowments, is this the right choice?? We have been accepted in principle by the Nationwide…
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My flat has 103 years on the leasehold
Do any of you lot know when should I be looking to extend the leasehold and how much do you think I would be looking at paying? Cheers :)
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Purchasing property from parents - conveyancing options
I am purchasing my house from my parents and therefore do not need much of the protection that conveyancing solicitors often offer (no move no fee etc.) How could I save money on this? I have read a few things about DIY conveyancing which strongly advise against it so I'm more interested in how to cut the costs of fees…
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Mortgage Declined
Hello all Brand new user here. A couple of things i am looking to getting involved with Debt Free Wannabee Mortgage Free Wannabee And general saving expert! As you can see i am an accountingbod! Part way through my ACCA studies. If you have any accounting questions, i may be able to help but im not yet fully qualified so…
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Santander offer to transfer us to new deal prior to end of current deal with them
We have just received letter from Santander, our current mortgage deal with them ends in October. They are suggesting we transfer to one of their new deals early, with no early repayment charge and no legal or valuation fees. I am a little suspicious as we have never before had such an offer from an existing lender, and in…
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Thanks Martin & Team
My son & GF are looking for a mortgage and were being limited by the new restrictions, on % to borrow, and amount they can loan, even though they are paying > now in rent, even via a Mortgage Broker. I read the Mortgage Guide, and spotted the info re those who do not go via a broker and ING came up good. DG
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Redstone Mortgage Interest Rate Increase
Afternoon All, I read a post about someone having their interest upped by redstone in 2007 as it needs to be increased using the LIBOR rate. I recently recieved a notification from redstone that they intend to increase my mortgage interest rate by 0.5% every three months. I recall when speaking with redstone when I…
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FTB First mortgage, which one???
Hi folks, I am taking out my first mortgage. I am still in my early twenties so have plenty of time to pay it off, so probably a 25 year term?? I have a 25% deposit, maybe 30% at a stretch. The house price is 170,000, so the mortgage will be 119000-127500 depending on which LTV I go for. The following mortgages are ones I…
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Mortgage Holiday help please?!
We are considering taking a mortgage holiday for a few months to help us with our wedding payments, does anyone have any advice/knowledge about how this will affect our mortgage in the future? Will we have to pay anything during that break?
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How much money does the first time buyer needs?
Hi, all I am currently saving money for a mortgage deposit in London and in about 1 year time thinking of buying my first own place. I am likely to buy a one bedroom flat, but there is a chance it will be a2 bedromm flat if I find a good, cheap bargain. My question is, how much will everything cost me roughly all together.…
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Mortgage Declined
Hi I am hoping someone can offer some good advice; my partner and I recently applied for a joint mortgage. We both earn a good salary and are only applying for a relatively small amount compared with what we are 'allowed' to borrow. We will have a 15% deposit from the sale of my current house. However - we have now been…
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New mortgage offer
Hi there a bit of advice if you would, im coming to the end of my my current deal so not been keeping tabs on the offers and deals in the mortgage market. Anyway ive been looking around and a company called me back today, they offered me the folling saying its a special deal and runs out on friday its a 2 year fixed deal…
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House query after marriage split?
Hi all, not sure if this is the right place to ask. I am splitting from my wife and moving into a rented apartment in 3 weeks time. We have been together 20 years, married for 11 of those years and in a mortgage for 14 years. We also have two kids under 10. It’s all amicable and we are not planning on a divorce yet, it’s…
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Morgage help please
Hi Guys, Really could do with some help, My fixed rate with santander is about to end, they are offering me a new deal at 4.99 my current rate is 3.99 - My problem is that since we took out the morgage both me and my wife have been made reduntant and started new jobs, my wifes being only part time - They are ready to roll…
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Complicated
I think this is complicated, but maybe it's not. I live in a shared ownership house which I have a £55k interest only mortgage on (I know - but if you ever saw me post in the DFW forums you'll understand the reasons why) which I have had for the past 10 years, the house was orginally valued at £145k (I think). I now earn…
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Mortgage arrears due to lack of notification
I have had a mortgage with the same provider for 11 years. 4 years ago I got a top-up mortgage for house improvements, so now I have two mortgages (I'll call them the 'big one' and the 'little one') on the same property. I saw my credit report on Creditexpert yesterday and found that I had missed one payment on the little…
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Mortgage v saving
Hello all, sorry if I am in the wrong forum but I spent some time looking and can't find what I am looking for. Currently I have an interest mortgage only with £69604.78 out standing. I have a flexible mortgage with a credit facility of £33953 (money which I over paid - so can withdraw any time). My mortgage interest rate…
