-
Agency Working
Hi all, me and my girlfriend are looking to move houses we currently have a mortgage but will obviously need to start the process again if we move. While my girlfriend has a full time normal job, i have not, i'm employed through an agency, problem is we are getting conflicting advise, i don't think i am classed as a…
-
Deposit question.
Hi, I wanted advice on a possible scenario that could happen. I'm in a position where I could recieve a large amount of money from a family member (£10-20k) which would help me and my fiance with our deposit. Our plan is to get 20% deposit and my Fiance gets the mortgage in his name only. What I wanted to know was if I…
-
Debt Relief Order & Mortgage
Hi I've recently come out of a Debt Relief Order (DRO). Just wanting to know how long would it take to be able to apply for a mortgage. I do have a 10% deposit already. I'm a novice to all this so any help would be great. Thankkksssssss
-
how do you remove missing person from a mortgage and Deeds
I bought a property with my then partner back in 1989. In 1992, I parted from my partner, and at her wishes tried to transfer the deeds and mortgage into my sole name unfortunately at the time I was unable to meet the criteria set by National Westminster home loans. In the February of 1994 my partner contacted National…
-
Brokers' vibes on rates?
Do any brokers here have a general feeling about what's happening with mortgage rates? Obviously, if BoE base moves then all bets are off... but assuming it stays at 0.5%..? Am particularly interested in the next 3-4 months as I can approach my lender for a retention deal at any time in this period.
-
Getting Worried!! Posted My Proof of deposit and wage slips but...
Didn't put enough postage on the large letter and they have not received the letter yet after a week and a half, I did put my sender address on it so hoping it turns up to me! I was posting it from Plymouth to Newcastle and the return address is to Middlesbrough. I just hope it hasn't been binned as the mortgage advisor…
-
interest only mortgage
can you tell me if a repayment mortgage cost 425 per mth and i pay 425 interest only per mth which is better to pay off faster, do i carry on interset only or is it safer to do repayment.:j
-
FTB mortgage application probs
Hiya we've applied for a mortgage on the first buy scheme with the halifax through an IFA. No comments about the scheme please we've done our research and are happy. We received a DIP and put in the application for the full mortgage. They did credit searches on us at the DIP stage according to the IFA and we note they have…
-
Offset mortgage - repay or not?
A year or so ago I remortgaged my house for £80k over six years to buy another property. The mortgage deal was excellent - an offset at 2.39% over base so now 2.89%. I keep my savings in the 'offsetting' account so that they effectively earn 2.89% net. I am now in a position where I can, if I wish, repay the mortgage and…
-
Mortgage in principle - Electoral Register
Hi All, My partner and I are first time buyers, and yesterday we applied for a mortgage in principle and were unfortunately rejected. After completing a credit check/score on the both of us it turns out my partner has registered a Low score of 717 which falls into the poor category (Just). When we reviewed her Credit…
-
Mortgage broker
Hi - anybody know of any good mortgage brokers (advisers) in Leeds (or supporting Leeds area)? I tried one but it always says they are busy!
-
Taking a loss on my House.
Hi all, Myself and my wife are looking at selling our current house and buying a new property. We enough cash for a deposit etc. The problem is, When we bought our first house 4 years ago we went on a 2 yr fixed intrest only, with us being first time buyers etc. Then after the fix term ended, with the rates being so low we…
-
Nram mortgage ?
Ok just wondered if anyone can help... Bought my house 8 years ago and had my mortgage with northern rock, was fixed for 3 yrs then fixed again for 5. Since then the mortgage was passed to their nram company...through my mortgage i always worked, till having my children 2 years ago. My current term is due to end this…
-
All in one websites showing SVR rates?
Just curious if there is a website that lists all the current SVR's of all lenders instead of having to visit each lender website? Thanks F
-
Worried about Mortgage Application
Hi I've recently applied for a mortgage through Accord - approx 3 weeks ago. I'm not a first time buyer as I have previously owned a house but sold it a couple of years ago and I'm now renting. I've had an offer accepted on the house I want, and the moving date is 17th October, but I'm getting more and more worried as time…
-
Equity Release
Hope i have posted this in the right pace....My mother who is 75 and owns her house ..aprox value 60k she owes nothing on the house and would like to take out 20k to be repaid when she dies.....My question is what is the best way for her to go about this as we have searched on google and there seems to be so many firms…
-
YBS Portable Mortage joke
I now have a small bald patch from where I have been tearing out my hair whilst talking to the Yorkshire Building Society. I am lucky enough to have an £800k house with a £175k tracker mortgage at 0.45% above base for the life of the mortgage. I was told that this was portable but depending on you meeting the criteria. I…
-
Which mortgage to make overpayments on?
I have 2 mortgages on the same property: one is for £55,000 and is on Skipton's SVR (so about 4.5%),the other is for £45,000 and is on a base rate tracker + 0.49%. I have been advised that I should make overpayments where possible. But which account should i pay off or should i split any overpayment across the 2? Thanks
-
Low Income but High Deposit. Can I get a mortgage?
hello all… Potential FTBer in the (I suspect!) rare position of being on a low salary ( £11.5K) but fortunate enough to have access to a deposit of around £50K. Through overtime I can take my pay up to around the £14.5K mark if I choose (however Ive only done the odd bit here and there so my past P60's don't reflect this…
-
Bank of Scotland - end of fixed rate deal
My current fixed term with BoS rolls over to their SVR at the end of October so I gave them a call today to discuss transferring to another fixed term product. I was told that my current deal didn't expire till January and a thirty minute argument ensued whereupon I was placed on hold for five minutes before they finally…
