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I need £25-30K!!!
Hi Can anyone give me some advice. We currently have a Repayment mortgage with the Chelsea BS for £200,000 & 20 years left to pay on it. The house is currently worth about £475000. We want to borrow approx £25 - £30K for an extension. Does anyone out there know the best way to do this? Thanks Jacquie
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Being added to a mortgage
Hi there, newbie here so please be nice :) First I will admit I am pretty clueless when it comes to mortgages! My partner has one, he only bought the house in January and I move in next month. We have discussed adding me to it in the future , 1-2 years probably as it is our first time living together and want to be sure.…
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Who is suarez
Does anyone know who this person is.....im am upset on his remark he has put on one of my threads. I dont think this should be aloud. I came to this site for help not to be critisised. I would like to thank those who have given me decent advice
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Help! Commercial Mortgage and Fees to Break a Fixed Rate Deal
Can anybody please advise me. My wife and I took out a £225,000 5 year fixed rate commercial mortgage with Lloyds TSB in March 2009 to buy our guest house. However, my wife died earlier this year and I am unable to run the guest house on my own and have to sell. In going through the process of getting ready to sell, I have…
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remortgaging property for rental and purchasing new property
Hi all We have been looking into buying a new property very soon. we currently own a property that is paid for (still have very small mortagage to bank to hold deeds) worth approx £100k when we move we will keep this house and rent for the next few years. originaly we were going to apply for a new mortagage on our next…
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Endowment about to mature
Would welcome any comments or advice on the following scenario. Took out a repayment mortgage for £22.5k with Northern Rock in Sept 1985. Around a year later I received a mailshot from Equity & Law, Northern Rock had obviously passed on my details as the mailshot included my mortgage details, pushing their endowment…
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Buy to Let Mortgage..only option?
Hi, I posted the other day regarding me not being able to take my One account with me when I move, due to my retirement/ill health. I have today spoken to a mortgage broker who has assured me the only mortgage I can get because of my circumstances, is a buy to let. He says he has exhausted all options and I will not be…
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What 95% LTV Mortgages are available?
The only ones I can see are ones where your family or relative put down security....is there any other just straight forward ones out there? Value - £125k MTG - £118k Good Credit History Cheers for Advice
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Could this be a miss sold mortgage?
A friend of mine has spoken to me about a Halifax interest only mortgage sold just after endowments ended. The Halifax at that time introduced a Halifax Home plan which included an investment element / ISA and life/critical illness. At the moment there seem to be a shortfall and in the same way as endowments, the life…
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Getting a 90% joint mortgage with my mum
Looking to get a joint mortgage with my mum. I have a good credit history but I am worried that it may be refused due to my mum. Will the fact that she is 52 affect our application as she would be 77 when the mortgage ends. She works for the nhs and has a pension that would support the payments on retirement. In the past…
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Visa Status & Mortgage
Hi all, I obtained an agreement in principle from Halifax last week for a shared ownership property. One thing they didn't ask about was my visa status, which I am little worried about may effect the mortgage further down the line. I am currently on further leave to remain as a spouse, my wife is a British citizen. I have…
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Your unwanted Bradford & Bingley mortgage Terms and Conditions
I'm looking for an old 1960s or 1970s issue of Bradford & Bingley's mortgage terms & conditions. If you (or any of your relatives) had a mortgage with Bradford & Bingley between 1964 and 1975 please could you check whether you still have copy of the terms and conditions locked away somewhere that you no longer have use of?…
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Waiting To Remortgage
Hi. I am waiting on a remortgage arranged through my broker but it seems to be taking forever. I talked to my current lender and they offered me a fixed rate deal which was what I was after anyway which will cost about £15 a month more than the deal that the broker is arranging for for me. They now want my partners…
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Mortgage consent concerns
Hello. This is my first post, so please go easy on me. I am seeking opinions on an issue that I find very worrying. Without going into details, I have been helping a memeber of my family with a very long and drawn out complaint to a bank. I hope this is going to make sense: The bank have not upheld the complaint as it is…
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Getting a mortage for a new build
My husband and I have been looking at purchasing a new build in Scotland. We only have enough to put down a 10% deposit. Is it possible to get a 90% LTV mortgage for a new build in this current climate. Any advice would be greatly appreciated.
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bad credit, tried to remortgage to get ex off mortgage but declined! please help
Basically, we are with the mortgage company Oakwood. It is in my partners name and his ex from when they was together. she doesnt live here anymore and doesnt pay either. we got her to sign a form saying she agrees to be off the mortgage. Oakwood then did a credit reference check and it came back my partner had a bad…
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Mortgage help. Ex's charge from debt on property.
Hello all, I split from my partner over 2 years ago (joint mortgage no children) he moved out leaving me to cope with the house, and shortly after I received a letter from a debt collection agency advising that they would be applying for a charge against the property. My ex had many debts that he ran up years before we got…
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How to get around lack of equity
Background: Selling house for 200k, mortgage is 150k, leaves 50k in my hand. Want to buy a new property for 250k, it is valued at 310k as it currently sits (seller needs rid of it). New property needs heating, baths, kitchen etc About 40k spend essential to live in (heat, kitchen etc), plus further 40k for preferred finish…
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Should I pay an ERP and get off fix if interest rates are due to remain low? options?
[FONT="]We have tried unsuccessfully to appeal to Santander to get off a 5 yr fix that ends May 2013 (5.79%) [/FONT] [FONT="]The redemption is a whopping 7k and this has stopped us jumping ship until now. [/FONT] [FONT="]We owe £175k but have 20k in place to overpay Jan 2012 so our mortgage would be 155k with…
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Please can anybody who knows anyhing about joint mortgages / debt help PLEASE
Hi, My husband had taken out a joint mortgage with his brother 4yrs ago before we met. His brother started a relationship, his girlfriend became pregnant- husband asked to move out- girlfriend moved in stating that they would buy him out ( gave him £1000) stated rest to follow (£9000) which would cover the deposit my…
