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YBS 5 Year Fix Rates have dropped again!!!
Get em while you can..... :D
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Is there such a mortgage (July 2011)??
Hello, I am 42 and have never bought my own house before, but (I hope) I'm about to. I have done some research and decided (rightly or wrongly) that the best mortgage would be a 5 year fixed rate at 4% or less for 15 years, with no fees!!! Some details: Husband earns £60,000 We have a deposit of £50,000 I own a small plot…
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A confusing one - please help!
Hi all Hoping you can help... We have our mortgage offer on the table which is valid till the 22nd Sep. We have exchanged contracts but on the day of exchange it comes to light that the sitting tenants in the property we're buying have an AST agreement which does not legally end till the 27th Sep. This means, if they…
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Mortgage Term Ending
My mortgage is made up of four different fixed term deals taken out with Britannia BS as I bought/improved my home. The payment comes out as a single payment each month although my annual statement shows me the monthly breakdown of each product. They were all 10 year fixed deals some repayment and some interest only. The…
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Confused about Mortgage
Hello Mortgage Gurus, Could someone answer a (possibly stupid) question for me as I'm confused If I move house and buy a house that is less than what I sell my house for but I stay with the same mortgage provider do I have to fill in another mortgage application, have another credit search etc? Thank you for helping
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Would i get a mortgage in my circumstances?
We want to move out of my rented apartment and get on the property ladder, i've found a home i really want and in my price range but given my circumstances do i have a chance; - we both have secure full time jobs - i also run my own business (although i've been trading less than a year) - we earn around £2000/month from…
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Santander Tracker Mortgage
Just making people aware of the slightly sneaky way Santander add charges to Mortgages. Im just coming to an end of an Alliance and Leicester 2 year fixed rate so phoned Santander to see what was on offer.To cut to the chase I narrowed products down to 2 Tracker products,1 at base +2.09% with a fee, and the 2nd base +2.49%…
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Conveyance - Is my solicitor actually doing anything?
I've been fighting my ex partner for the last 10 months over rights to my house. We've finally come to an agreement and I am about to go into the conveyance stage. The problem is that Nat West (my lender) will only give me an off the record, verbal 'yes - in theory' when I ask if they will be happy to take my ex partner…
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Anyone know if it is possible to fasttrack a revaluation with Nationwide?
Have been on the phone to the Nationwide Mortgage call centre to try and see if our revaluation can be moved to the top of the pile... been told that it will be processed when it is processed, as hoping it would be done so today. Does anyone know of a way I can chase this up/speak to anyone direct? On another note, does…
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FTB 25% dep for house
I am looking for best morgage deal - I have 25% dep of the value of the house and would like a 5 year fixed term - anyone know of any good deals at the moment? thanks
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North Mortgages - Anyone Any Experience?
As the title suggests, does anyone have any experience of North Mortgages based in Manchester? They are whole of market and no upfront fees the website says.
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Fingers crossed, offer soon
Hi all, Am getting so fedup/stressed/wound up/resigned 4 weeks into my mortgage application, 2 weeks tll valuation took place (value ok) 2 weeks later still no word, i know my employer sent back reference on Tuesday, broker always with clients when I ring for update (yeah right thats why he always rings me back later…
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timing aplying for a mortgage? divorce etc
hi there not sure if anyone can help? I'm going through a divorce. I was not on the mortgage for our home, but am about to accept an offer that would allow me to buy the home from ex and house the children. the equity in the house will be transfered to my sole name, and I'll recieve a lump sum to clear my credit cards…
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Do I need to use mortgage broker?
Hi guys, My current fixed rate mortgage deal with Santander at 4.24% runs out at the end of September and I will move onto a BOE + 3.74% tracker and so I have been looking for deals as I would like to fix again. I spoke to my mortgage advisor about this and he found me a deal with the Woolwich - the 2 yr 85% LTV great…
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santander
Hello, Just got my re mortgage offer in the post today 2.89% fixed interest only 75%ltv £995 fee Dont think i will get better , anyone know of any better deals thanks :beer: Rob
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Do I have to use a mortgage advisor named by builder
I am looking at buying a brand new house from Taylor Wimpy and are looking at utilising their part exchange scheme. They have said we are to use a mortgage advisor that they have named although is an independent advisor. Can they make us use this person or is it against financial regulations to make us use a mortgage…
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NRAM morgage query
Have a nram nortgage fixed until may 2012. 90% ltv, I am now thinking of remortgaging due to erc waiver? Are there any good deals out there? I Bought property to live in, rented it out due to market situation. My mortgage is in consent to let basis as was not BTL morgage. When I remortgage does it have to be buy to let?…
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Leasehold and Insurance
I am moving into a leasehold flat. There is an annual service charge that may include some kind of building insurance. Do I need to purchase any building insurance? If my flat is damaged, but the remainder of the building is unaffected, then am I covered by the collective insurance policy? I am transferring my existing…
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broker or no broker?
We're wanting to remortgage but are unsure of how best to approach it. When we bought we used a broker but now we're in a better financial position we have the option of going to the lenders directly but we're not sure if this is a good or a bad thing. We've browsed some lenders websites and also some comparison sites and…
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Mortgage Advice- Complicated by Fixed Term Contract
Hello everyone, This is my first post here, a friend recommended it to me for some good advice :) I'll try to keep it brief! My partner and I are looking to buy our first home. However, we will only be able to put my name on the mortgage as he has a CCJ which still has a couple of years left on it. I was left around…
