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Best Mortgage Rates
Which bank or building society currently has the best motgage rates.
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Separating from husband - options?
As of Saturday night, I decided to separate from the husband. It was an amicable agreement and that was that. However, his initial response was that neither of us can afford to live apart so that we should separate but still live in the same house - firstly because of the financial implications and secondly because of our…
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First Time Buyer needs advice
Hello Everyone, Good afternoon i have had great advice from experts on previous threads , i have few other questions . I am planning to apply for mortgage in next 6-12 months . at my current address i have been staying since june 2010 so - length at current address is 1 yr 2 months approx (on electrol) - length at previous…
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Mortgage Advice
Hi Me and my ex own a property together, I am living in it, I pay the mortgage. Unfortunately I have been unable to get the mortgage on my own so he is still down as owning it. What happens when he decides he wants to come off and I still cant get the mortgage by myself. Do I have to just sell up or do I have any rights???
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Northern Rock
Hello Our mortgage advisor has suggested Northern Rock for a 2 year fixed - are they safe mortgages? Also we are putting out debts into the new mortgage - is that a good idea? We would still have 20K equity in house with new mortgage. It would save us £500 p/m. Also we are dealing with mortgageadviceservices.co.uk, anyone…
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any other options apart from remortgaging????
hi!!:o i joined a home-buyer scheme which helped me buy my property back in 2005. the scheme owns 20% of the property and I pay mortgage on the remainder. when you sell up, you pay them back the 20%...obviously they have the property valued and they base the 20% repayment on the valuation price, not what the property…
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Credit History
Me and my partner are looking to get a joint mortgage. He has an excellent credit history, whereas mine is very poor, I did have defaults, but no CCJ's. The debts are now paid, but obviously they still show as defaults on my credit report. Need advice as to whether a joint application would be worth it, or would a…
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morgage lenders for new builds?
Which mortgage lenders do a 90% ltv for new builds, if any? thanks
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Mortage application issues & fees
Hi, I have some issues/questions about a mortgage I have applied for. Maybe someone has some thoughts? Some three weeks ago (friday 15th, end of the afternoon) I applied for a mortgage through a mortgage advisor; I had to sign some papers for a booking fee and application fee and I was told there was a 48 hours turnaround,…
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Mortgage help/advice
Hello, Im a first time buyer looking for a joint mortgage with my partner (preferably over 30 years). At the moment there is just the two of us but in a couple years time i do want kids. I have seen a house for £150,000 and love it, we only have a 10% deposit so will need a mortgage for £135,000. We currently rent and our…
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conveyancing charges/ upfront mortgage fees
Hi, can anyone tell me a bit more about these fees? Don't know if I've just been lucky in the past but I'm looking to remortgage for the third time and this is the first time I've been asked to pay these fees since initially buying my first house. Was applying online with YBS and almost at end when up popped the page…
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London county feedback
HELLO. There have Been some negative comments regarding London county mortgage brokers and just wondered if some people that may have used them could provide some feedback. My fix rate deal ends in a few months and I have registered with them, I have found the initial response helpful so far. So if you have had any support…
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Making a resonable offer
What would a reasonable opening offer be? Ive seen a two bed semi, its is up for oiro £112,000, i have seen other simular house up for sale and sell for around 90k in a simular area, is this house over valued and what 1st offer would b reasonable to put forward?
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Santander - so unhelpful
I wonder if anybody else has had a similar experience with Santander? I was made redundant in March and have been paying my mortgage for the past 4 months from savings, which have now run out. My 2 year mortgage deal ended in June and Santander have refused to renew my deal so I am paying the standard variable rate. I have…
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Interest only mortgage ending next year - worried
I took out a 5-year interest only mortgage in 2007 for 160k which ends in 8 months time. I planned to pay it off via sale of shares, which in 2008 dive-bombed and left me with nothing. Looking for any advice as to whether I'm likely to hit a problem converting to a repayment mortgage next year with the same lender? My…
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Is there anything I can do about a low valuation from my mortgage provider?
My 5 year fixed rate deal is coming to an end in October, I was looking to stay with my current provider and get another fixed rate deal. This morning I went to get it sorted online but they have valued the house at a price lower than we paid for it- thus making the LTV much higher and giving us a higher interest rate than…
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Extending an agreement in principle?
I have what I believe to be an agreement in principle (titled Mortgage Promise) from the Halifax which expires on the 11th August. I've had a good read around here and from what I can see these AIP's aren't that useful as the mortgage lender can still turn you down when you actually apply for a mortgage. However my concern…
