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Too good to be true?
My partner and I are in talks to arrange a mortgage through an IFA with Accord Mortgages Ltd. A trusted and respected elder in one of our families has questioned whether or not Accord are (simply) a suitable lender. The FSA says Accord does not have permission to hold client money. However, they are permitted to lend…
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overpay before mortgage renewal
Unsure of what to do! Current mortgage due to expire May, paying £500.24 a month on £90,000 mortgage at 5.29% plus the base rate recently had the house valued at between £110 and £115k. Is it worth me paying off between 5 and 7k in a one off payment to lower LTV for new mortgage deal
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Does anyone know of any leniant, mortgage companies?
This is a bit of a long shot. My mortgage is currently £165000, We have £7500 in savings which we could put into the mortgage if needed. I am wanting to change our mortgage deal as it will finish soon, however my wife has lost her job, so currently I am the only earner (currently on 31,000). I'm with halifax, and they will…
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Single to joint mortgage
Afternoon, my fixed term mortgage rate ends in November. I have the mortgage on my own. My partner and I have seen a house that we both want and could easily afford between us. Question is, obviously I have to sell my house and pay the early settlement figure. Can I then just add m partner to the mortgage and ask for the…
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Mortgage for house arranged as two flats
Hi all, I would like to put an offer in on a property that is currently arranged as two separate flats. The buyers are selling together to attract someone like myself who does not mind converting back to a family home, which we intend to live in. I thought this would be a straightforward transaction, however, the broker…
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remortgage hopefully
Hi there in December 2010 my daughter borrowed £10k from me to by her new flat, my question is how long does she have to be in her flat before she can remortgage ? as she needs to pay me back the money she owes me. ore is there any better opptions she can take regarding borrowing £10k from a lender ? hope it makes ome…
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Information needed for mortgage: not much proof of address
Hi, I'm a new member of these forums, but after reading some of the posts here I've realised I can do with a bit more information to help buying a house. I'm a first time buyer in Scotland and I've just asked my solicitor to put an offer to buy a flat. It's pretty nerve-wracking waiting to see if it's been accepted so in…
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remortgage on a buy to let?
I have a buy to let house worth around £110K with a mortgage of £85K. I have debts of £5K to clear which are putting me into debt crisis right now. I cannot sell the house as my dad rents it (I know, I know) but can you re-mortgage on a buy to let? I know I could just ask the mortgage company but have a feeling that advice…
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Endowment-cash in or keep?
Hello, does anyone have any advice about weather to keep my endowment going or not? Its with Standard Life with profits an started in1998 for 25 yrs, the value at 01 sept last was £8431, it was originall for an end result of 30k but the "red alert" letters stared shortly after i took it out,SL give estimated of the…
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Advice please :)
My partner already has a mortgage of 68k our house is worth around 110k but we would be happy to clear 105k so 37k equity were also going to put 10k to that is a 47k deposit.Looking to borrow around 120k have been told we could borrow 150k but don't want to saddle ourselves. My partner has a fantastic credit history. I now…
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Are people Fixing for 5 years at current economic and market condition
Are people Fixing for 5 years at current economic and market condition
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Homebuy Direct Scheme
Hi looking for some feedback on my situation Im currently private renting an apartment that i live on my own but have my 2 year old daughter stay over at weekends and its for this reason that I need to move into a house as not got enough room plus I need a garden, now my immediate option is to private rent a house but i…
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Overpaying Interest Only Halifax Mortgage - 10% issue
Hello, I wonder if someone can clear something up for me? I have a £63,950 SVR mortgage with Halifax with 19 1/2 years left. (it's currently £64,570 due to some stupidity a few yrs ago). Now, this was originally taken out as interest only but when I've phoned a couple of years ago to increase the payment they have changed…
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General advice will I be ok
Im really needing a bit of advice before I start going to the bank I am hoping to move and was planning on waiting until next year but have seen a house I really like but i have some late payments and worried its a lot harder to get a mortgage than when i got my current one. Current house value is £123000 mortgage…
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Selling house to ex - Deposit question
Hi, I have a complicated situation, where my ex-partner would like to take over the mortgage on the house we have lived in for a few years (the mortgage and title deeds are currently only in my name). He would basically like to buy the house from me and I would move out/buy another property, which is ideal for me too. He…
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First time buyer bad credit
Good evening, we are hoping for some advise please, we have been looking at new homes, as at the moment we live at my parents home. Myself and my wife are looking for our first home, we have applied for the time to buy scheme and to my surprise we have been accept on this for the full 20%. We have been looking at houses…
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Moving house dilemma -please help
Hello My wife and I are in a real predicament. We live in a 3 bed terrace town house and now have 2 children. We are starting to push the limits of the house in terms of size and are keen to move to a 4 bed. Our house is worth roughly 185000 with a mortgage owing of 167000. We did have a lot more equity years ago but the…
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Mortgage with Adverse Credit & Property in Background
i am posting on behalf of my sister by the way! i have a house which i rent out at the moment as i cant afford to sell it (bought at height of market), i have consent to let so this is not an issue. i now rent somewhere with my partner and we recently went to a mortgage broker to apply for a mortgage as we would like to…
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Endowment Mortgage comeing to end ... no endowment policy and no job!
Hi I wonder if you anyone could offer any advice? My dad, before separating from my mum, bought a house nearly 25 years ago at approximately £32K and then borrowed a some additional monies (secured) against the mortgage to take it up to £46K. I would estimate conservatively that the house is valued at £100k now. My parents…
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Help - Complaint about the Ombudsman Service
Hope someone can help. I have waited 2 years for the Ombudsman to reject my complaint. However, that's a joke in itself as the complaint he states in my rejection letter is not what I complained about. So how can the decision be valid? On top of that all of my evidence, and that's quite a bit, has been ignored. The IFA…
