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Best Buy to Let Mortgage
Loooking at possibly gettong one and have some ideas. Anyone know of any hidden gems out there?? Thank you
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Mortgage question
Hi, Newbie with a question! I've just been made an offer of a mortgage but with a condition that I transfer my "core banking business" to them. Does anyone know if that's normal or even really enforceable should I not or subsequently change my mind and move it back after I've drawn down my mortgage? Also, why would they…
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Informing mortgage company someone is moving in?
Do I have to tell my mortgage company someone is moving in with me? I don't want them to pay towards the mortgage or anything like that. My partner and I (seperated) and are looking to get back together. Please advise
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Decent mortgage deal?
My youngest son and girlfriend are renting at the moment, but have seen a repossession for £65. Mortgage advice from FA at estate agent suggested complicated deal with Santander, which sounds reasonably good, although he did not tell them the interest rate'/monthly repayment etc. There is a £350 fee and £100 for arranging…
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Online Conveyancing co's
Hi All, Quick question on behalf of someone else. I have done a quick search and can't see too much on here about this. Friend needs to do a Transfer of Equity to remove ex partner. Does anyone have experince of the online conveyancing companies? The quotes look good. One in particular is £250 fixed fee quote on…
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Google's Comparison Ads for Mortgages
I'm currently remorgaging and stumbled on Google's Comparison Ads. Has anyone picked up a good deal via this route? The link via Google Advisor takes you to US searches, but the following link works for the UK. You'll have to piece the link together, (noting it's https,) as newly registered forum users can't post links):…
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Fees for deeds
I am about to make my final payment on a 25 year mortgage held with the Halifax. I am told that I have to pay £50 to release the deeds to my house. Obviously I am aware that arrangement fees, setting up fees for all sorts of mortgages and loans have become common place but 25 years ago I think they were almost unheard of.…
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Variable Rate
Hiya, Just about to come out of a 3 year fixed rate mortage with the nationwide which will revert to the banks variable rate until i decide what to do. What is the difference between variable rate and tracker rate?
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Right-to-buy and mortgage
Hi everyone,I am a complete mortgage newbie and it seems to be confusing the hell out of me. My husband and I have been looking to buy the council flat we are living in under right-to-buy and getting a mortgage. We have calculated that we would be entitled to about 40% discount. Would I be right in assuming that the…
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Joint Mortgage - Problems
I dont know if anyone can give me advice. I bought a house with my partner in 2008, we now have 2 children together, he left us in August 2010,since then I have recieved only 4 payments for maintenance for the children and a pittance towards the mortgage. I have struggled to pay the mortgage so have gone back to work full…
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Buying a flat through my business
I'm co-director of a small business. My business partner and I (there are just two of us and we have no staff) are tentatively exploring the option of purchasing a studio or 1-bed pied-a-terre in London that we can both use to stay in during the week (rather than forking out for hotels). He's already moved to Devon with…
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Mortgage with defaults but no debt?
Hi, At the end of March this year I became debt free after being in a Debt Management Plan for 4 years! :T However, I still have 3 defaults showing on my credit file and was wondering what the chances are of getting a mortgage with my fiancee in April next year? I understand that the market is always changing but an idea…
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Coming toward the end of a fixed term. When can I re-mortgage?
Apologies if this is a bit of a daft question, but Im wondering if anyotn has any advice on my current mortgage situation. I've currently just completed 4 years of a 5 year fixed term repayment mortgage with Bank Of Ireland (Originally Bristol and West when the mortgage was taken out). Obviously after 5 years it jumps to…
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Choosing a tracker and decor for valuation
Hi All, My current tracker mortgage with the Halifax is up for renewal at the end of November and I am looking around at deals in case Halifax does not offer any alternative products that I like. The property is worth £230k and the outstanding mortgage is £150k, 25years remaining, although I overpay and it should be done…
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What is Geothermal Energy
hello to every one my name is nomi..glad to be here
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Pay off mortgage with Nationwide.
I have been left money in a will whereby I am now able to pay off the total amount outstanding on my mortgage.:j Before I speak to the Nationwide, what are my options? I have read a few posts on here, that mention that you should leave £10 outstanding so that the Nationwide holds onto the Deeds. (I already have a copy of…
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Mortgage and ownership
We have put an offer on a flat and as we are not married and I have sacrificed my career for my partners one and our children we would like to share the ownership of the flat. For some other reasons we do not want my name to appear on the mortgage. I emailed the conveyancy solicitor earlier to ask if that would be ok ? And…
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Permission to Let
Hiya, Recently I've been offered a once in a lifetime opportunity to go to work in California. The visa is initially for 3 years, and I'm quite willing to believe that at the end of that I'll be returning (although who knows what will happen). As such, I sent a letter with this information to Scottish Widows and they sent…
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First time buyers mortage.
Finally, had an offer accepted on a house. We are FTBs. Sale has been agreed at 200k. Combined salary of 73k. We have deposit of 50k. Another 10k will be used for house move, solicitors, diy and furniture. Another 5k as emergency. I was originally aiming for ybs 3.49% fixed for 5 years. But truly speaking, the long delays…
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6 month rule - residential mortgage
I am looking to proceed to the purchase of a house but my solicitor has picked up on the fact that the vendor has owned the house for less than six months. He has refurbished it and is looking to sell it on. Will this be a big problem with the lender and what is the best way around it? Thanks
