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Moving Home - Remortgage?
Hi, I currently have an appartment, but would like to move to a house, and include my girlfriend with the Mortgage too. I owe approx £98,000 on my current mortgage, and my appartment is worth approximately £105,000. The new house is worth £145,000. What are the chances of adding my current girlfriend to the mortgage and…
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Fix rate or base rate?
My fix rate mortgage ends next month, should I get another fix rate mortgage or just stick to the base rate mortgage? any advise?
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Secure mortgage with savings account
I'll be taking redundancy in a few months' time. I have a mortgage with ING at a rate of 0.89% above base rate, currently 1.39%. I plan to open a savings account with an amount equal to the outstanding mortgage, and use it to pay it off. My wife has no income so we'll set it up in her name to get her tax allowance, and I…
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help please
not sure if I have posted this in the right area but here it is. We have a mortgage with an unsecured loan. we owe about 111000 on it and 7k loan. we paid 119k for it and it is now worth about 105k. We are struggling every month as the repayments are massive. My mum has gotten really ill recently and I have to move 100…
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Second Charge Mortgages??
Are there anywhere that still do second charge mortgages? If there does anyone know what interest rate I would be looking at roughly? And what percentage of the property they would usually mortgage up to? Thanks in Advance Nx
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mortgage advice please!!!
hi can anyone help or advise me please. I am 27 with a 4 year old daughter. I have a bad credit rating and only earn about 10k. Me and my boyfriend want to buy our own place he also has bad credit. he earns approx 20k. we will have approx 40k as a deposit. what are the chances of us obtaining a joint mortgage? I already…
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Applying for a high LTV mortgage; question about credit scoring
Hello; please could anyone advise me on the specific points below. I have done a lot of research but not sure about the following points, and how they would impact on the credit score; any constructive advice would be really appreciated , thanks: I have a £850 official overdraft which I tend to use every month up to £600 (…
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Vanilla prime?
Can someone explain what this refers to in mortgage lending? Thanks
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Fixed rate and offset combined - anyone?
don't know if this actually exists so excuse my ignorance, but is there any where that you can have a fixed rate mortgage and also offset your savings against the mortgage? or am I just being silly!
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Northern Rock Mortgage
I will be re-mortgaging to Northern Rock in the next few weeks. I have no other products with them and I am wondering if I will be able to register on line so I can make mortgage overpayments or can I only use the online service if I have other products? Does anyone know? Thanks
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Remortgage ????
hi, my house is worth about £95000, my mortgage is about £39000. I am getting married July 2012 and am looking to remortgage to pay for this. I was thinking of borrowing about £20000 .When i do go to apply i will probably owe about £35000.Do you think it will be a goer ?
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Just a question...
Having just returned to this forum after a break of 2 years, within the first week having helped people with their questions, I'm realising why I took a break in the first place. I would say that all of the advisers who post on this forum do so not to tout for business but to HELP people. People who ask q's on here because…
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Porting
Lucky enough to have got Santander flex mortgage but now moving house and want to port it. The product scope was 90% LTV, loan size in range of £25,001 to £2m and interest rate of BOE +0.49% (Product FLX04) when took out the flex a few years ago. Spoke to Santander about moving and they originally said and re-confirmed…
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How do i remortgage to fund repairs?
Hi, My Husband and I currently own (mortgaged with Nationwide) an older 2 bedroom semi which is having some issues with condensation. We think we need to have our pointing repaired and replace our exterior doors, which are not in great condition, to stop the problem but who knows perhaps there are more issues lurking as…
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Mortgage Advice Please...
Hi, I am currently a graduate medical student (25yrs old) with another 3 years left to study in London. I have £70k for a deposit which could be stretched to £110k if it was a deal breaker.. I have seen a two bedroom property that I would like to buy for £250k. As a student I currently have no income apart from student…
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Standard Life Low Cost Endowment
Just wondered if anyone has any info on this? Took out one of these 24 years ago - it has one year to run. Basic Sum Assured is £6500 - current srrender value is £11500 plus final bonus of about £1100. I wll let it run its course, so has anyone had one of these mature recently - I have no idea whether I can expect any…
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we can afford far more then they'll lend us
based on our income we can only borrow £50,000 except we could afford £100,000 because we get alot of help with benefits. because my partner is disabled. do any lenders take this into account when lending. we really need £100,000 to buy the house we want, and we will have a £50,000 deposit thanks
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Is my mortgage deal any good?
I have recently come to the end of a 5yr fixed rate deal that was at 4.69%. I have always liked fixed rates and despite the fact they have been more expensive recently I like the certainty, and have been told by friends of their experience in the 80s of 12+% rates :eek: However I have now reverted to the default rate for…
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Please help
Hi, recently my mother got a letter through the post saying she is falling behind with the mortgage. This was news to us as we thought my father (who is separated from my mother and I have no contact with him due to inexcusable things he has done, however my mother texts him for money reasons etc.). It turns out he has…
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Bad Credit Mortgage
hi, im after some advise, myself and my partner both have a pretty bad credit history and are with payplan paying off our debts, we would like a mortgage but no one is going to touch us and have started to try and gather some info on bad credit mortgages, does anybody have any info or any first hand knowledge in these…
