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Buy-to-let help?
Ok - will try and keep this simple. My step-daughter and her boyfriend are currently living in a property that I own. (i currently live with my husband in his house). I switched to paying interest free on my mortgage (a couple of years ago) when the house was for sale so i could concentrate on paying back high interest…
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Lost Mortgage Seeker-what's best?
Ok I am in fortunate position of being a mortgage free home owner. I inherited some money which has sat in the bank and now I am thinking of buying -to let. Figure that might be a better option for now. 2012 sees my (misold - apparently can't claim as paid everything off) endownement maturing . I would like a straight…
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Who will buy my endowment policy?
I am getting concerned about my endowment policies which have between 1 and 2 years to run. I would like to sell them. But who will buy them. I believe there are companies who do this?
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Getting a mortgage, do I have any chance?
Hi Guys, Looking for a little mortgage advice for first time buyers if I may, or the short of it - do I have a hope in hell of securing one or am I living in a dream world? I live in zone 2 London so not exactly cheap, buying would be out of the question but something has come up. Basically I live with my girlfriend in a…
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Remortgage offer....Using the brokers offer myself?
Hey I was just wondering if this is possible.......I have contacted a mortgage broker who has found me a good mortgage offer with Northern Rock however like everyone in this situation I am reluctant to pay the £295 fee to them. Is it not possible to ring Northern Rock myself with the offer the broker has suggested and ask…
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Should i hold off for new right to buy?
hi everyone.just trying to see if anyone can help with a curiosity i have.we have the right to buy our council house in glasgow and have started the ball rolling but was interested to see the pm talking about making the discount for this scheme bigger and has now made me wonder whether we should put our plans on hold to…
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2 decision in principles...same lender?
Me and fianc! had a decision in principe direct from skipton a month ago. We did make an offer at weekend (which we were outbid on and also no longer want) abms the estate agent (who are part of skipton) said they wanted to do another decision in principe. Reluctantly I agreed. Again this mortgage would have been with…
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Question Re: P60 for mortgage application
Hi, When i met with a mortgage advisor to discuss what i could lend i told him my salary but didn't mention i had recently had a pay rise. When applying for a mortgage a lender could/will ask for my P60 for tax year 2010/11 which shows my old salary. Will i still be able to lend the amount based on my new salary or will my…
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** Price Inflation & Surveyors Report **
Advice welcome please. I agreed a price for a new build property £185k which I thought was a reasonable price given the property and postcode. I used the mortgage broker that the developer recommended as they are specialists in new build mortgages. I was also limited due to only one mortgage provider (Skipton) doing 10%…
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Any mortgage experts out there willing to impart advice? Please!!
Hi there, we are a family of six living in a two bedroom house worth roughly 80,000 - 85,000 thousand. Mortgage is ten years old in one month and we desperately need to put an extension on the house (four kids in one bedroom) our mortgage is currently standing at 32,000. I am currently a full time Degree student and my…
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Endowments Question
A friend who is currently going through separation proceedings has recently had an offer to buy the house she owns jointly with her ex. The (very small) mortgage will be paid off from the sale of the house. There are two very very small endowments which mature next year, both of which are projecting shortfalls in maturity…
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Accidental late/missed mortgage payment
Hi Guys, I am so annoyed I missed my mortgage direct debit by as I put my wages into the wrong account by accident and only just got a direct debit unpaid letter from Natwest This is the first time I have missed a payment for anything in my life and am wondering what the consequences will be for this 1 small mistake which…
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What to do??
Need some advice please, I will try to keep it as simple as poss. Myself 29, and wife 30 have an outstanding mortgage of 120k, interest rate at 1.49%, on a small 2 bedroom terrace, 15k in savings, combined gross income of 58k, 2 children aged 4 and 20 months and have been trying to sell the house for a year, on the market…
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What 95% LTV Mortgages are available, where you can apply directly to a Lender.....
I hate intermediatries.....its a middle man for nothing, rather deal direct.
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Sole Application - partners financial history - all lenders?
My partner and I are linked by a household bills joint account only. Is it true that when making a sole application there are some lenders that will take into account your partners financial history and some which think that it shouldnt matter? I am of the latter thinking given that if the mortgage is in one persons name -…
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mortgage unemployment cover
Hi, I may be made unemployed next march, but it's not certain yet. Does anybody know of any protection I can get re mortgage payment cover, given the circumstances? thanx all.
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Skiptons
Hi, Just been through a mortage application with Skiptons for their 95% LTV. Out joint income is ~= £100K before bonuses etc. We got declined due to adverse credit, to which I was told to phone Call Credit. Speaking to them and viewing my report on their website I don't have any bad points and according to them have 5/5…
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Help - New Mortgage from Advisor but problems!
Hi Guys, Right, long story short we consolidated my debt into our mortgage and got a 112K mortgage at 4.4% which left a monthly repayment of £815 over 16 years (5 year fixed term) with ING Direct. £89k of that was mortgage and £23k of that was my debt. This was after a couple of months dealing with an independent financial…
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really simple ..tons!
We remortgaged our current house 4 years ago in order to raise capital to buy a small retail property with the view that it "would pay for itself" either as a business or ultimately with a tenant in place. Having ridden the recession for the last few years and not been able to contribute much to the mortgage we are now…
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HSBC Consent-to-let
My partner and I are soon to be completing on the purchase of a property which we will have a HSBC mortgage on with a LTV of 80%. My partner also has a property which he is currently trying to sell (we hoped it would sell before completing on the new property). We want to rent one of the properties out short-term, and…
