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Hoping for Help Re Mortgages1/Mortgages PLC
Hi there, Hoping for some help, I am involved in an ongoing case with the above company to save my home, please let me know if you have any dealings with their Chester office that was in use in 2008/9. I think they were set up to solve problems caused by the transfer between Mortgages 1 to Mortgages Plc. We had letters and…
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Sent wrong bank statements!
please help. I'm sure by now if you have looked at my past threads that i have not been doing so well lately on the mortgage front. To cut a long story short, i have sent the wrong bank statements to the underwriters. I had a copy at home that i have altered with tipex to take the word 'casino' off my transactions - the…
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Is this complicated or simple?
Scenario: Mother is the sole proprietor of her home. The land registry records her as the sole person named on the freehold title deed. The land registry also records her mortgage provider, HBOS T/A Birming Midshires, as having a charge against the property. There are no names of any 3rd parties anywhere on the land…
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Bank Statements
Anyone recently applied for a mortgage with the Woolwich? Do you know if they accept on-line bank statements? Otherwise i may have to get myself to town to print some off... Thanks
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Starting to get really annoyed
I moved of the home me and my ex shared almost 2 years ago. I'm desperate to get my name off the mortgage but the bank are telling my ex she 'can't afford the payments on her own', even though she has been paying them herself for 2 years. Does anybody know of anything I can do? Any help would be greatly appreciated. Bulb
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Rights to convert from repayment to interest only?
I want to convert my mortgage and my lender is refusing my request on the grounds of my £3K arrears. The conversion will significantly reduce my monthly payments, enabling the arrears to be cleared quicker. What is my legal position? Do I have any rights? Thanks very much Carleea
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What does this mean - Mortgage agreed subject to ...
Anyone have any ideas what the 1st Applicant bit refers to in the following message? "Your mortgage has been agreed subject to: 1st Applicant : A Homebuyers Report "
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Not on electoral roll for mortgage
Me and my boyfriend are in process of buying a house. Our bank had to send our application to underwriters and they came back with a yes but asking why my partner wasn't on the electoral roll and for us to provide proof of our deposit. We have got proof of our deposit but when my partner contacted the electoral roll he was…
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Northern Rock early settlement deals??
*posted in mortgage-free wanabe also by mistake :) * Hello. I have just had a call from BoS - they are saying that as I have a mortgage with NR, they may be able to offer me a mortgage as NR are offering early settlement deals? Does anyone else have experience of this?? Sounds far too good to be true! BR x
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Huge Discrepancy on Halifax Index Linked House Valuation Reducing LTV
I'm looking into the options around our current mortgage deal to decide if we should change products or possibly downsize the house it's self. As part of the process, I contacted Halifax for the current index linked valuation and was shocked when they informed me that the house's value according to them is £274,000. That's…
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New to mortgages...
Hi, Need advice on whether this is possible. I have recently suffered the loss of my mother and it has been a very difficult time for all the family. She has left her house to me and my brother. The house is worth est. £140k. Neither of us want it sold, but neither of us want anyone else to live ther yet. So, we have…
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Opinion on ditching fix
I have a "hypothetical" scenario I would like peoples opinions on. Nov 1st outstanding balance 123k @ 6.29% fixed for another 2 years. Keep paying this until fixed rate is up. Can overpay 10% per year. OR Nov 1st outstanding balance 123k ERC of 2% which is ~2400. Switch to HSBC 80% LTV tracker at BoE + 2.49%. No fees. Can…
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Add mortgage arrangement fee to mortgage?
I know this is normaly a no brainer, but if faced with 2 mortgage deals (over 2 yrs): 1.79 % above base, £199 fee, or; 1.49 % above base, £995 fee then according to the mortgage calc on this site, adding the fee to the mortgage of the 1.49% deal still seems to be the better option. Is there something I am not considering…
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dposit?
:)hiya all just a quick question ,i was made redundent last year and then had an heart attack as you can imagine i have been struggling financialy and wont be able to pay my mortgage soon .the mortgage is a joint account with my son ,so after speaking to my mortgage advisor they said it might be a good idea for my son to…
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Switch to fixed rate?
We all know that the BoE base rate won’t stay at 0.5% forever, and that even if it somehow does stay there for ages, lenders’ SVRs may well creep up anyway. What I’m trying to figure out is whether this increase is likely to happen soon enough to make a two-year fixed rate mortgage a better bet than the current SVR we’re…
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Having to sell house at a loss.
Here is the situation and would like opinions if possible as we are not sure what to do. I met my wife 3 years ago and she moved up north to live with me as i didnt want to move due to my job and university. She was 2 years into a 5 year fixed 100% mortgage so couldnt sell the house without being in negative equity due to…
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Are Nationwide being silly?
My girlfriend is about to move in with me and is looking to rent out her flat. She enquired about a consent to let but was told they are normally granted but after 6 months the rate will rise by 1.5%, Satander didn't do this on one of my properties. She also asked to switch to interest only but was clearly told that she…
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Capital One
Like many others, I am under huge pressure from credit cards and other debts. The companies are aware that I have MS and work from home. Business has been particularly bad over the last 2 years and debts have spiraled. I have taken advice and all my creditors are happy with what has been offered except for Capital One's…
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Please help rate my FTB mortgage chances!
I am looking to get my first mortgage and last week chose to take the advice of many folk on here and get the statutory credit report from Equifax for £2. Based on the below data I would be grateful if someone could rate the chances of me being accepted for a 10% deposit FTB mortgage with Natwest/ RBS. I understand that…
