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overpayment timing
Hi, if I overpay, is it better at the end of the month, or the beginning of the month? can overpay 500 per month with no charges
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Nmram/northern rock advice?
Nram/Northern Rock advice* Hiya i was wondering if anyone could offer any advice?? a bit about the problem......... Dad took a mortgage with Northen rock in 2007 he is 54 years of age now. He was told to take the mortgage by a financial advisor in june 2007 we have proof he was told to take it. it is a together mortgage…
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Conveyancer , Solicitor and associations
I am currently in the process of buying a house. Just wanted to find out if the solicitor or conveyancer has to belong to any recgonised association. Most of the ones I have looked at belong to the low society but not to council of licensed conveyancers or association of conveyancers. Is this an issue? Would appreciate any…
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joint deeds single mortgage?
Can I get a mortgage on my own although my partner and I both own the house outright?
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should we/can we get a mortgage for student daughter
hi my daughter and her boyfriend are going to york uni for their masters degees i think they should be getting a mortgage (with my help) rather than rent as their course is 3 years looks like flats are around 100k, so mortgage of 80k should we look at mortgage, if so what type, i've not much idea when it comes to money
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Cashing in endowment policies
I have 4 years left to run on a 25 year with profits policy with scottish widows.To cash it in now we will received £19300 and if we trade it we would get an extra £1100. The latest figures from Scottish Widows state that if I keep it going they estimate that at 3% we will get £24700, 5% £26800 and 7% £29100.Although we…
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Mortgage Valuation Report - Contains Errors
Hi, The underwriting and valuation are now complete. I am just waiting on the lender to issue the mortgage offer. Reading through the mortgage valuation report, I noticed some discrepancies between agent/solicitor and report. For example: - Leasehold 50 years less - Ground rent £100 more - Build year 2 years older - NHBC…
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Owning a house 3 ways scenario. Query
This is a curious one for the future, but it's always best to be armed with knowledge, which is why i've come here with this... Not the sort of topic i like to talk about, but let's assume our family dies in the order that is expected - This would be my dad first, and the house going to my mother. She would then die next…
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Shared ownership mortgages
Hi I am just being very organised. I am after what companie's offer these types of mortgage or can I just remortgage with another provider as normal. I am remortgaging for the first time. Thanks in advanced
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Re-Mortgage to offset fixed? Advice please
Hi - I'm looking to re-mortgage as current tracker is due to end. Have 22yrs left on a £50k property with £193 mortgage left. Both my wife and I come into a bit of cash now and again and have certain levels of disposable income each month in the current account at the end of month but don't really want to tie that cash up…
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A little help please...How does remortgaging work?
Sorry for the long winded title. I have been sent a letter from my mortgage provider (Natwest) informing me that my fixed deal will be coming to an end at the end of October this year. Also, in the letter, they have offered me fairly competitive rates for a new mortgage deal (is this called remortgage?). Now, this being my…
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Solicitors Coventry or Warwick area
I am in the process of buying a property and wanted to find out if anyone has had good experience with any of the following in coventry: Mander Hadley Button and Co Band Hatton Allsters Kelly Thank you in Advance.
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Can we get a mortgage
Hi, After years of trying to clear unsecured debts of approx £25,000, we have decided to sell our home and downsize which will mean we will be debt free. We have a sizeable amount of equity in our home so will want approx 50% ltv on our new house. However I know my credit rating although meant to be good means I get…
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Buyer's Agents
Has anyone had any experience using buyer's agents (like Stacks, Sourcing Property etc.) when buying a property? What were those experiences like, good or bad? My main issue is time due to a demanding job and consequently I'm potentially looking to use an agent who can do the leg work and diligence for me and potentially…
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Do you pay mortgage interest on non-working days?
Hello, My mortgage completed last Friday but I only completed today (Monday). Can I check if the bank in general (Woolwich in particular) charges mortgage interest on non-working days? I have heard different versions of the story. Thanks!
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Best mortgage advisers are IFA mortgage specialists
I hear the best mortgage advisers are IFAs who specialise in mortgages and who consider EVERY mortgage lender in the Country including those that will only offer deals direct to customers. You have to ask a mortgage adviser you think of using - "do you consider EVERY mortgage lender including direct to customer deals" - as…
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Increasing mortgage on low income
My house was always intended to be my pension but I don't want to sell it until I get to state pension age (March 2013). Mortgage is £52, house worth about £165K but income £17K. Any way I can get at some of the capital now? (about £20K would be good) - needed to replace car and windows/door.
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Mortgage advice when pregnant
Hi there - this is my first ever forum post! I am looking for some mortgage advice, which i am hoping you some of you may be able to offer.... My boyfriend and I own a 1 bed ground floor flat in London and are planning to have a baby. We are happy to stay put in our current flat once the baby is born for perhaps up to a…
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Mortgage woes on a complicated situtation
Hi everyone, thanks for reading this. It's a complex situation, so please let me appologise in advance for the convultedness! Here's our situation: My wife's father bought a flat in central london, but sadly died before it could be sorted out and sold. even more sadly, he didn't take any mortgage insurance. it's mortgage…
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So confused
My husband and l have seperated and he has left the country l have spoken to mortgage company and taken 3 month payment holiday then they said it might be possible to go interest only for 12 months l really need to get things sorted ex husband not contributing as he has no job l am working part time trying to get as much…
