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mortgage
we are 2 of 3 on a mortgage, the third party has not paid anything for 14 years, is he entitled to a share? and can we get him removed from the mortgage?
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Advice - a 95% or wait for 90%? Please help
Have a DIP for Skipton 95% mortgage...however it works out expensive and I am just not sure about a 95% mortgage. If we save more, it means another year or two (OH is mid 30s, I am late 20s). Whats eveyones opinions of 95% mortgages? Too risky?
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What do mortgage lender deem to be an uninhabitable property?
I did some viewings on a couple of houses this week, where the previous occupants were elderly and therefore the properties hadn't been internally updated in many, many years (although externally they seemed fine). I've since read that some mortgage lenders turn down mortgage applications on what they deem to be an…
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First-time buyer: Should I get a broker?
Hi, I'm a first-time buyer in South Wales and with the help of the bank of Mum I should have a 30,000GBP deposit and am looking at properties between the 80,000 and 110,000 mark. I spent today looking online and going into banks in person to find out about what sort of offers are available, monthly repayment amounts etc. I…
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charge on house
My ex husband hasn't paid some debts that he had, so it has gone to court and because he is still on the mortgage they have put a charge on my house. I am due a baby in two weeks with a different partner and I am just wondering if my mortgage company will still allow me to have a 6 month maternity mortgage break, or…
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Dormant Barclays account, before applying for mortgage
Hi guys, I'm about to apply for a mortgage through Woolwich (Barclays). I've been looking at my credit report etc which seems to be fine, except I noticed I have a dormant Barclays account from my student days (10 years ago) £190 overdrawn in it's interest free OD. I'm a little worried it might have an adverse effect on my…
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Overpay Mortgage or Save for Staircasing
Hi All, Hopefully someone can give me there opinions on the following and which they think is the best option? Last year I purchased a house under the Homebuyers Direct Scheme, the crooks of the scheme is that you buy 70% of the house with a mortgage, pay a 5% deposit and then 25% of the remaining is loaned to you buy the…
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Mortgage Broker
We need some advice about financing a mortgage. What is the best way to find an Independent Mortgage Broker and what sort of charges should we be looking at?
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Three on a mortgage - weird I know
So, Split from hubby years ago. But he is still on the mortgage. I am with a new partner but at the moment in the current climate I don't think we would be able to get a mortgage together and take my ex hubby's name off. The thing is, we are moving and my new partner is going to put £20000 into the house. I would like my…
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First Time Buyers- Gov't FirstBuy Scheme
Hi there, have posted similar questionon CC forum. Basically myself and partner are looking to apply for the Gov't First Buy scheme in January for a house we have seen avaiable on the scheme. We will need a mortgage of £119k 75%LTV with incomes of £27 and £20k before tax. This week i was essentialy 19 days late with my cc…
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IS this allowed?
My partner wrote to his old mortgage company wanting to know what was paid to his old mortgage and when, by his ex wife. We know she missed payments and he incurred charges, but he wants details of what they were. Mortgage company has stated he has to pay £10 per statement!!! Surely this is an unreasonable amount - he…
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First time buyer deposit declined.
Hi all, Could anyone give any advice please. we recently recieved an offer on our house from a first time buyer which we accepted and all seemed to be going fine until santander decided to decline their application due to the source of his deposit. Their reason being because he is doing a single application and his deposit…
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100% Mortgage?
Hi All, I am looking for a 100% mortgage and found a site money.co.uk with the top 10 100% mortgage deals on. Are they legit? I already own a flat, which is currently rented out and covers the mortgage and maintenance cost easily, but myself and my wife are living with parents and can't stay on for too much longer. By the…
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Advice: pay off term or total amount???
Hi, I have a mortgage with santander. It is a fixed rate monthly repayment. I have 32 years left on it. I am finally in a position to be able to pay a little extra back a month. On phoning Santander to arrange they said I can choose to pay off the term (ie the 32years) or the amount borrowed!! I was wondering what's the…
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fix or not to fix?
im after some advice guys. we bought our home at the peak of the market in 2006 and fixed at 5.5% for 5 years (svr was then 6.5%). Our deal is about to end, is it worthwhile fixing again or just going with the SVR which is 3.5% with our lender. 1st mortgage so never been through this before. thanks
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Comparing Mortages via Moneysupermarket.com
Hi, When searching mortgages on Moneysupermarket.com they are always listed by initial montly payments. As far as I can see it much better to put them in Actual cost over two years order. I have spoken to a broker and he has suggested a HSBC lifetime tracker. But when I search on Moneysupermaket there are cheaper deals…
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Mortgage pulled?
I got a mortgage offer from Abbey which is great!! Ive also received a letter from my solicitor and its a bit erm well scare mongering!! She basically said she felt it prudent to advise me of the risks of my mortgage and in view of the current uncertain financial climate maybe exchanging and completing on the same day…
