-
Add Arrangement Fees to Mortgage
Hi, can someone explain how calculate the deposit, rate etc once the arrangement fees have been added to the mortgage? Thanks Gio
-
Default stopping mortgage application
Me and my girlfriend have recently tried to get ourselves on the property ladder. everything is in order financially apart from one default on my record from vodafone in 2009. It was for £200 and was satisfied. i have tried to contact vodafone asking if this can be removed but stil waiting for a reply. Any other…
-
Mortgage Deposit - This is a bad idea, right?
.............................................
-
Which banks/bs are accepting vendor gifted deposits?
Hi does anyone know which banks/building societies currently accept vendor gifted deposits. I know the Halifax have stopped accepting these now and after trawling through the websites of all the major lenders, I am still none the wiser as there is no mention on most whether they accept them or not. Any leads would be…
-
What do i do , I have some cash to pay part mortgage off?
I have one loan for about £59000 ..54000 interest only and 5000 repayment with 7 years to run and is on a tracker at 1% above base rate. repayments are £133 a month. (i have been paying about £400 until just recentley after a fixed deal finished) The other has £5500 outstanding with 13 years to run..variable rate at the mo…
-
getting a mortgage when on a 6 month umbrella contarct
My partner has a 6 month contract working for a investment bank and is struggling to get a mortgage.He has never been out of work and earns a good salary with a adequate deposit the only thing letting him down is the fact that he works under short contracts. Is there anyone that knows any lenders that specialize in this?
-
getting a mortgage with poor credit history
Hi Has anyone any experience with getting a mortgage with a bad credit rating i have recently inherited a property and wish to raise some funds to fisinh it off and would clear my o/s debts approx £4000 (on a repayment plan at present) The property has been valued at £200000 and I was looking to take out £50000 against it.…
-
Advice needed over old interest-only mortage please!
Hi, I'm hoping someone can help as I am so clueless about mortgages and particularly over my own. I took out a mortgage with Northern Rock back in 1992 when I was just 19, and I've been paying it all these years. It was backed up by an endowment (yes, falling short by 50% and sold by an independent financial advisor).…
-
Coventry building society home reserve scheme
I am about to complete paying off my mortgage with the Coventry Building Society. They have offered me the opportunity to join their Home Reserve Scheme which allows me to borrow money for home improvements/special purchases more easily in the future. However by opting in, the building society keeps a charge on my property…
-
Credit Defaults
Hi all I have been checking my credit rating and have seen that I have 2 default account on there. Does anyone know how long it takes once these default accounts have been paid that morgage lenders will concider lending you money, as me and the wife are now looking to get our own. Her credit rating is really good just mine…
-
Fixed Rate Mortgage Statement shows different Debit amounts
Hi, I have just received the annual statement for our Fixed Rate mortgage, but I am confused, even through the credits shown for each month are the fixed repayments we have, there is also a column labelled "Debits" which has a varying amount in each month, the total of this column is labelled "Interest" Also the balance…
-
Is There A No Risk Way For Parents To Get Mortgage For Us
Hi, I have just posted a thread on the forum for Bankruptcy -5 1/2 years discharged, 10% deposit but where can i get first time buyer mortgage? Probably best you read to put you in the picture... ...My other thought is is there a way where parents can take out a mortgage but in this case my partner and I pay the actual…
-
Buying A Parents House!!
Hi Everyone! Me and my fiancee currently rent. His mum is selling her house, the market value is £100,000, however, she said she will sell it to us for £70,000. We do not have a deposit though? I have been reading about this being called a "gifted deposit", can anyone tell me more about this and whether we will still need…
-
Mortgage Offer .. or not?
Hi, I just received a letter from the bank saying: "We are pleased to offer the requested load amount of £100,000" but then goes on to say "The application is now ready for final assessment and has been passed to an underwriter to be sanctioned within the next 2 to 3 working days." So does that mean I've been offered a…
-
Credit File
I'm posting this here as I see lots of questions regarding credit files and problems with mortgages. I have several linked addresses on my credit file, one of which is my works address which I had a mobile phone delivered too. Obviously I've never lived there and used it for convenience. I contacted Experian to let them…
-
Joint or sole with one partner on zero income
My partner and I spoke to a skipton mortgage advisor about their 95% product and started the application in her name. We realised that if we did that I wouldn't be able to be listed as an owner of the property. So we went back this morning and changed this. But the issue is I am a student coming to the end of my studies…
-
Will be moving soon, secure a mortgage now?
I am moving from London to Bristol. At present I earn £7,000 more in London than I will in Bristol (I have secured a new permanent job there) To save time and get the benefits of being able to borrow more is it possible to get a mortgage approved before I go? Will the mortgage company ask questions about my salary in my…
-
what is this?!!!
I ordered my credit report so that I could assess whether or not it is good. I noticed that on 02/06/2011, a credit search was made under my old address, which I lived in approx 2 yrs ago. It was also under ''Mr Donna XXXX'' rather than Mrs, which is odd. It was recorded by Net ID Me (ID) what is this? and why at my old…
-
how do you get bad stuff off credit file re mortgage
Hi I have a pretty good credit file apart from a couple of nasties which are dragging it down I am scared are going to stop from getting a mortgage/loan - how can i get them off? any advice 1) Jokers called Robinson way - bought a debt from a property I let out, I bought place in 2006 and its been tenanted pretty much the…
-
Mortgage for Expatriate?
Hi all, I have been doing some recent research about mortgage's in the UK for People living overseas. Early 2010 I was made redundant and by chance was offered a job in Queensland, Australia. 18 months on and a lot of hard work and we have managed to gain residency (a battle in itself) and been saving hard. Now to cut a…
