-
Two year lock in is actually 2 years 3 months??
Hi everyone, I'm new to this site and hoping someone could please advise me. We have our mortgage with Santander, Abbey as was. We locked in with them for a 2 year period in August 2009, which we assumed would end in August 2011. We have since found out that in fact we're tied in with them until November 2011 as the clock…
-
Porting a reduced GE money mortgage advice?
Good Morning! I wonder if anyone could advise. We have a GE money mortgage and want to move house. My husband has an ok credit rating but a bad credit history- a satisfied CCJ 5 years ago and have been in mortgage arrears. We are currently 1/3 months in arrears (depending on whether you take the arrears at the time they…
-
Fixed or Trackers with no fees for small mortgage
Hi there, Does anyone know of any lenders who have any fee free fixed or tracker rates which do not have a minimum lend of £25,000 (the lowest I have seen)? I am currently on SVR and looks like I may have no other options until interest rates start going up.
-
Mortgage or loan?
I am hopefully nearing the end of my divorce, and have offered my ex 20k for his share of the house, the house is mine and I live in it with our children, I'm just praying he takes this now, and doesn't wait till kids are older for even more!! I have saved up around 5k, and need to bo rrow the rest, my aim is to pay it off…
-
How do you do it??
It seems impossible...the more I think about it, the more I wish I had started scrimping and saving every penny from day 1 of employment. As a single person earning £17k a year, is it possible to eventually own your own house? or am I being silly?? Everyone I know with a mortgage has a partner, so they just live off one…
-
Am I been scammed / hacked?
I have a mortgage with northern rock. I logged into my halifax account (used for savings only)and was amazed to see a mortgage showing up. I called up the helpdesk and they confirmed it was a northern rock mortgage. What the hell is it doing with the halifax though ? If norther rock 'sold' my mortgage onto halifax arent…
-
How much do you have to be on to qualify for a mortgage?
As above,what kind of salary will enable me to get a mortgage?
-
Best Tracker deal?
Hi all Posted a couple of times about fixed rates mtgs and had some really great responses. Been to see they mtg advisor at Woolwich and as a result am now considering a tracker as was only considering 2 yr fix anyway as may be looking to move. The tracker is 2.89% no fees vs the fixed rate 3.49% no fees on a mtg of 95000…
-
Changing Bank + Mortgage??
Hi I'm getting increasingly p*ssed off with my bank (HSBC) - their opening hours coincide exactly with my working hours and so I can rarely use any counter service when I need to. I'm just wondering. I'm hoping to take out my first mortgage within the next 12 months. I have been with HSBC since the days of my school bank…
-
Salary multiples ?
Though there are plenty of different price comparison websites online in regards of how much will you pay for your mortgage, I am yet to find one which will compare lenders affordability criterias/salary multiples in one place. There are so many different lenders in the market(especialy small building societies) and…
-
payment since remortgage draw down
can anyone help i have a remortgage going through tomorrow with hsbc,the mortgage got drawn down on friday for £93.093 but i have since paid £1000 wich was also on friday by direct debit (monthly payment with overpay) so i only owe 92,247 to my old lender (halifax) so was wondering if the differance will be credited to me…
-
Can I overpay before my first payment?
Im with Nationwide and bought our house at start of June and my first payment is 15th July. My aim is to overpay by 500 some months at start of each month, and I want to overpay in July (before my first payment).
-
What way is best
ANYBODY OUT THERE WITH ANY SUGGESTIONS PLEASE We have 2 properties, one inherited that is rented out and our own. Our own in up for sale but no interest yet (in all fairness it has only be on a couple of weeks) We can get a mortgage of £300000.00 but we have seen a property that ticks all our boxes, I know we should not…
-
Nationwide Porting Problems
Hi All We are having some issues with the nationwide. I'll try to briefly explain. At the begining of the year we decided to downsize, I contacted the nationwide to see about porting our current mortgages (we have a further advance with them for a loft conversion) as they will both eventually be on the really cheap (at the…
-
ditch my (yet to start) fixed!!!! £1620 potential saving
Hi I am to take up nationwides mortgage next month of 4.89% on LTV 75% on a 85k house. This we paid £400 for as a mortgage arrangement fee and £99 product fee. Its 4.89%, £369.6 a month for 5 years. But, just looked now and a simliar product has now dropped to 4.14% with the same costs. It could save me £27 a month, per…
-
general advice and 1st time buyer status
Hi My fiancee and I each own our own (mortgaged) flats. One was purchased in 2005 (fixed until 2015) and the other in 2006 (not tied in to a deal). We are planning to move in together later in the year and the plan is for me to sell my flat, rent out her flat (due to redemption penalty) and then move into a new rented…
-
Mortgages and Shared Equity.
Hi Guys, Sorry if this is posted in the wrong place and apologies if this turns out to be a long story, I will try and keep it short. Myself and my Boyfriend brought a £125,000 house from Bovis. We brought 75% of it and Bovis Have the other 25%. We dont pay rent on the other 25% we just have to pay it back within 10 years…
-
my fixed rate taking up next month
Hi I am to take up nationwides mortgage next month of 4.89% on LTV 75% on a 85k house. This we paid £400 for as a mortgage arrangement fee and £99 product fee. Its 4.89%, £369.6 a month for 5 years. But, just looked now and this has dropped to 4.14% with the same costs. It could save me £27 a month, per month for 5 years,…
-
Landlord Didn't Pay His Mortgage
My partner and I are currently renting privately, and receiving housing benefit. Our landlord was pleasant enough when we moved in a year ago. He moved away from the area, but was always patient about what day our rent was paid. He kept saying he'd come and collect his mail when he was visiting the area but never did; that…
-
Payoff Mortgage, then New for New House?
Hi all I’m hoping you can help me on a mortgage scenario for moving house. We moved into a house around seven years ago and took out a five year discounted mortgage. Over those years we've steadily chipped away at the capital and are now on the lenders standard rate. We also now have quite a large savings pot so can…
