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Final decision check- Please help
Hi, I have asked this question a couple of times but I get very limited responses and would really appreciate some guidance. especially from any Mortgage advisers. Current Mortgage - Britannia Building Society is in two parts part 1 - 0.75% above base tracker owing approx £23k lifetime product Part 2 - 5.09% fix, coming to…
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Have I a chance ?
in 1993 I entered the property market and bought into my first house which I am still living in to this day... I was sold an endowment policy by the company United Friendly... a few months later I was contacted by them again and told to up my payments as there would be a shortfall if I didnt... When I was sold the policy…
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House + Kids + Split = Massive Mess!!!
Hi all, Im in desperate need of some help! Im desperate to leave my wife she has cheated on me in the past 3 times (once while pregnant with our daughter :mad:) its got to the point where i just cant cope anymore and im batteling serious dipression. We have a house together 69k left on morgadge which is in negative equity…
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Will I Be Able to Get a Mortgage?
Hey all, I'm new to the forum and was just wondering if I could get some advice/information about getting a mortgage. Location: Milwaukee, Wi Housing Type: Condo Approx. Cost: $24,000 Monthly Income: $465 (Sept-May) I'm a college student, but my credit is fairly good -- 721 -- and I can afford to pay the mortgage payments.…
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Shared Ownership Mortgages
Hi, Does anyone know which lenders offers shared ownership mortgages? We have a 10% deposit for the share we are going to buy but most lenders seem to exclude shared ownership properties.... Waiting to hear back from a broker but would appreciate your advice too. Thanks xx
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Have we or Have we not got a Mortgage
Hi All, Some of you have kindly answered to my previous postings regarding obtaining new mortgage with 2 defaults from 2009 on file. Basically, went through one broker who tried to get us a mortgage through kensington which was a no go (they would only lend a certain amount and at the time we want to obtain more he…
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Credit score dropped!!!
I am with noddle and I have no credit except virgin media and mobile. I had a credit card, which I cancelled. My score was 5/5 now its 3/5! Why on earth could it have dropped so much in last month?! Only thing I have done is cancel credit card
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can i get a mortgage
Hi there would it be possible for me to get a mortgage. i have three defaults all in jan 2009 with 2 late payments in the last year. since then iv paid off all 16000 of debt and im now debt free,my credit score is 650 and i earn 26000 a year. i have 6000 deposit. i need 40000 for a house is this possible. thanks luke
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Section 106 - Fixed Rate ending soon
Hi All, I'm wondering if anyone could give me a little advice. In December our 5 Year fixed rate section 106 mortgage is coming to an end. Knowing literally nothing about mortgages, I presume that this means I can look around for the best mortgage available and change without being charged an early repayment fee? The…
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Guarantor Mortgages?
Recently been turned down for a 95% mortgage and have a feeling am imminently about to be turned down for another! Was hoping to move quickly, got an agreement in principle and made an offer on a property not forseeing any problems, so this has thrown a bit of a spanner in the works! My mum is adamant on the idea of being…
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improving credit rating from 4/5
I have recently checked my credit report / rating after registering on Noddle & Call Credit for FREE! My score is 4/5 and I have been advised by Call Credit that lenders / mortgage brokers don't see this score (as they have there own point systems) however I still want to improve my score to 5/5 (100%)? Can anybody advise…
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Overpay on Offset Mortgage or put money in savings?
Hi, just after a little advice. We have £84,000 outstanding on our Natwest Offset Mortgage and have 14 years and 3 months term remaining. We have £4,500 in savings of our own which is almost 3 months of my salary and we offset this against the mortgage. I also have a savings account for each of our two young children (in…
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1st time buyer with bad credit
Hi I am just back from seeing a mortgage broker re getting a mortgage my credit is not great i have one default on my credit that the Ulster Bank have agreed to remove which is great. but i have another one that has been settled for £500 it was a genuine mistake i changed my address with the bank and they took it down…
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Advice please
Basically i have applied to Santandar to borrow another £13k on our mortgage and am waiting on a reply all paperwork submitted etc and this will take the amount owing to just on £140k the house is worth £200k. This will add £102 a month to the repayment, this money will be used to pay off a Nat west loan of originally £25k…
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Remortgaging advice
Hi, this is my very first post and I was hoping to pick your brains!!! Our current mortgage is due to finish a fixed rate in February, and I am trying to decide what the best type of product we should go on to next. Obviously I know things could change in the meantime, but i just wanted to get an idea of what others…
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Mortgage product offered not in line of completion date
I am a first time buyer and have been accepted on a new build shared ownership flat. back in august i looked for rates, being new to everything i dont understand everything, this doesnt help when ure being sold something by a mortgage lender. the new flat has always had an estimated completion date of feb 2012, i was…
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Using equity release to cover endowment shortfall
Hi my dad is 62 and mom is 64 they took out an endowment mortgage 21 years ago and they said it would pay off the motgage and provide a pension nest egg as well. This hasn't happened and we are in the process of the second stage complaint to the Financial ombudsman about miselling as the company have written back to me…
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Sanity check please - Does this sound like a good deal?
Looking to remortgage in my name only due to seperation. LTV will be 80% (providing the valuation comes up ok!). I'm happy to gamble a little on rates staying low for a while, so I was looking at the ING lifetime tracker at Base +2.69%, fees of £945. Does this sound like a decent deal - have I missed something better?…
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mortgage on new conversion without professional consultants certificate ??
My bank - HSBC - denies mortgage for a flat in a new conversion (public house) without one of the 10 years warranties. The developer does neither offer such a warranty, nor does he offer a CML professional consultants certificate, signed by an individual architect. What he can do is a certificate signed on behalf of a…
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Usiing Equity for Home Improvement
Hi, I've recently bought a house at auction for 139k and have a mortgage of 111k, which is in good condition but I'd like to extend the kitchen. It had recently sold for 169k prior to going into the auction. I friend was telling me that I could use some of the equity in the house to pay for the extension? I'm not clued up…
