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Joint Endowment Probs
I have been divorced for a few years but continued paying premiums for a joint endowment taken out with my ex. The policy has now matured but the insurance company will not give me my half without my exs signature. I have no idea where he is. I cannot understand this as I am only asking for half not all !!
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husband wants his share, can i buy him out?
Hi Everyone, Heres the story, Me and my husband are getting divorced and he has got himself into 13k worth of debt in the year we have been seperated, he pays have the mortgage now which is only 260 month, but he now says he wants us out within 6 months or we sell as he needs his 15K from the house to start again.....we…
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Mortgage when on sick pay/benefits
Me and my wife currently own our flat, the mortgage is in my name only. We want to move and hopefully either get a joint mortgage or (if possible) for my wife to get a mortgage to add to what I have. My wife was diagnosed with Leukaemia in September and has been receiving treatment since and is now (so far) making a…
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95% mortgages for a homeover
I am trying locate the best deal for a homemover mortgage
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Fix for 2 years or Tracker?
Hi, we are FTB and now are looking at different type of mortgages, not sure which one to choose :) The best fix for 2 yrs we've found is 2.89% at Barclays while the best tracker available to us is ING @ 2.04% (BBBR +1.54%) for 2 years too. What are your thoughts on how soon the base rate might go up and by how much it…
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90% LTV Mortgage on Persimmon New Build - Please help
Hi all, I'm new to this so apologise in advance for any missed info. My husband and I are in the process of purchasing a New Build property which won't be ready to move in to until approx Dec 2011. It is Via Persimmon and the only financial incentive they have offered is 50% of stamp duty paid. They are part ex-ing our…
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How much lenders borrow "x salary"
Hi I was on here awhile ago and found a list of lenders and how much x your salary they will borrow you. Can someone give me a link to that list, I can't seem to find it. thanks.
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mortgage product change
hi all another question for you helpful people. we applied for our mortgage a couple of weeks ago on a 5 year fixed at 5.09% (85% ltv). Paid the product fee and paid for the valuation too which has come back ok. I've since checked the lenders website and that product has now been withdrawn from their range. Where do we…
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buy a house with 4 people
hi i was wondering if someone could shed some light on buying a house with me and three other people please? we are all first time buyer and in employment. as we are all on basic pay is it possible to get a mortgage bassed on all 4 incomes? we have 30k for a deposit not to sure if this is good or not?! any advice on this…
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Remortgage from fix to variable?
Hi I've been looking around and I think it would be a good idea to remortage to a variable/tracker. I think I probably should have done this a year ago but never mind ;-) Current loan o/s is approx £40k inc ERC etc on property valued approx £135k. Currently on Nationwide fixed 5.63% with 2 years still to run on the fix -…
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Selling Endowments
I have an endowment that has 5 years to run and is going to be well short of its value. What is the current advice on whether to sell early and who to?
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Mortgage for the unemployed?
Is is possible in today's climate to be able to apply for a mortgage whilst being unemployed? The houses/flats I'm looking to buy fall in the 160-180k range, and I have a deposit of 2/3 that amount. If I'm unable to obtain a standard mortgage, is there anyway of obtaining a BTL mortgage with a massive deposit, and saying…
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broker or direct to provider for simple cases?
years ago when I had mortgages going to a broker was quite useful, particularly in pre internet days. However for straightforward applications are there any advantages nowadays? My daughter and partner who will be first time buyers have no debts, good credit records, earn about £60000 between them and will have a 20-25%…
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HSBC Life Time Tracker
Hi Folks, HSBC has given me an agreement in principle for a life time tracker which tracks base + 2.49. Key features: 2.99% interest no ERC no fees [ I do have to pay conveyancing] a guaranteed fixed fee product till dec 2011 should I wish to switch. HSBC rates seem to be a lot better than Nationwide, Halifax and some…
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First Direct Life Tracker - switching from repayment to interest-only?
My partner & I have a First Direct life tracker repayment mortgage (BoE + 0.35%). Does anyone know whether it's possible for us to switch the mortgage to an interest-only basis without losing the competitive rate?
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Transfer of Equity
OK. So as my last thread detailed my mother needs to remortgage etc. and has a positive DIP from Nationwide. That's fine. They have stipulated however that my father not be name on the mortgage account with the current lender, Birmingham Midshires. Now, the situation is this: Mother is 60 years old. Her mortgage balance is…
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Mortgage one year after completion of IVA
Hello everybody, Next month it will be one year after completion of an IVA (my name), always made payments on time; defaults etc will fall off credit record then. My wife does not have any adverse credit as such, though she is not on the electoral roll as she is not a British citizen; she has permanent residency however. I…
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Deeds of the house
We have been told by the Halifax that we have a choice of keeping the deeds ourselves and paying £50 or they will scan them into the national database and we dont nee a copy. Is it better to keep them ourselves and if so where is the best place to keep them.
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selling, going to rental... what can I do with my mortgage?
My house is under offer and I have been actively trying to find a new property for some time. It's come to the point where unless I move, I am going to lose the sale, which I am not keen to do. Therefore, I have decided to rent for 6/12 months until the right place comes along. I spoke to my mortgage company yesterday…
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Together Mortgage Unsecured Advice
Hi I have a NRAM together mortgage, currently around 105k on secured and 24k on unsecured. Approx 129k total. I have my property on the market at negative equity (OIEO 110k) so once sold (eventually) as we all know the rate on the unsecured part that is left will go up, in my case by 8% on top of current SVR. I currently…
