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Removing a name from a mortgage agreement?
Hi all, hope someone can help and offer a bit of advice. Had a mortgage for about 1.5 years which is currently in 2 names, 50/50 split on the house. However due to changing circumstances I am now looking to change the house to solely in my own name and 100% ownership. However i don't know much about the process. Does this…
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First time buyer, 90% LTV 2yr fixed with Natwest - likely to be rejected?
Hi all, So I have put in an offer of £66,500 on a flat in Scotland, which has been accepted. The home report value was £65,000 - I have a deposit of £6,500 and will pay the remaining £1,500 myself, so looking to borrow £58,500. I had intended to use my bank, Santander, for my mortgage, however they only told me half way…
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First time buyer with a complicated situation! Mortgage help pls!
Hello! I'm hoping to buy a 3 or 4 bed property up to about 200k. I've come into some inheritance. I will have approx 50k and my 3 children will have about 100k. The childrens money is to be held in trust until they are 18 but can be used earlier for their maintenance or education. The solicitor has advised the terms are…
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Mortgage help??
Hi, I'm hoping for a bit of advice on a pickle I'm in. My wife and I have put an offer in on a house that has been accepted after having a mortgage in principle etc. etc...... to cut a long story short, 2 mortgage companies initially accepted the application, for it then to be declined by the underwriters. The reason for…
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C&g svmr
Hi chums, C&G have a Standard Mortgage Variable Rate which only applies to those whom took deals before June 2010. It purports to "guarantee that the base rate will be no more than 2% above the BOE base rate" Do you know if they can raise this one? G
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bankruptcy - computer says no
Hi Hope someone can help? I have recently married, my husband was declared bankrupt over 3years ago, before we met. He is self-employed. We now wish to buy a property together. I have a mortgage already which, being on a good rate , I would like to port to new property. As a sole applicant the mortgage available to me is…
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MSE News: 'Don't take mortgage SVR hikes lying down'
This is the discussion thread for the following MSE News Story: "Over a million will be hit by the rises announced over the past week, but many aren't doing their best to cut costs ..."Read the full story: 'Don't take mortgage SVR hikes lying down'
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Im self employed - can I borrow extra?
Good evening friendly people. I hope that if I explain my current situation and intentions, I might receive some helpful advice/suggestions/opinions. :) My fiancee and I bought our house in Oct 09 for £93k. We supplied 10% deposit. Since buying the home we have improved it significantly, and 2 valuations last year…
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Halifax - Consent to Lease offer?
All Requested a consent to lease deal from Halifax starting from April, they gave me a deal of 6.4% and product fee of £599. I called today asking if I could delay this as i wasnt sure when I will be moving out, they said i could delay it till June and the rate would be 6.1% with a product fee of £1499. i am not sure when…
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Simarc Charges on Remortgage
Hi Just a quick question....My property in leashold and I am being bought out by my ex partner/wife who is remortgaging to provide me with the agreed amount we settled on. Can Simarc the lease management company charge her £366.00 in admin fees for this?. We have remortgaged before 7 yrs ago and I dont think we or the new…
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Remortgaging advice
About 2.5 years ago I bought my house a reprosession for a good deal at 70k and at the time I was on a fairly low income of 23k and as a first time buyer on my own the best deal I could get was with Santander which was 4 years fixed at 5.99%. My girlfriend has just recently moved in and we have decided that we are going to…
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Natwest online Mortgage Deal Switch - Is there a catch?
Hi I'm coming up to the end of my mortgage deal with Natwest this month, and have been looking at their deals for exisiting customers, where you can switch deals without a new valuation, or credit checks etc. The new deal seems to be competitive compared to other lenders (3.15% 2yr fix, my current tracker is 3.49%), and I…
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This offset mortgage any good? Firstdirect
Not too impressed by L&C Brokers. They came back with a rate of 3.99%discounted rate. No setup fees 300k Mortgage can't seem to beat the below. They have 2 year repaymentoptions also but I need the additional flexibility to withdraw. Life Tracker Offset - Limited Edition Max LTV 65% 2.58% Overall Costs for comparison 2.7%…
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Credit Files
Hi all, Apologies if this has been asked before. I have looked at my Equifax report and it shows an entry for a loan I had with Rbos some years ago, (2007). I missed some payments, some by 6 months, it now shows as satisfied. A couple of points I would like answering if possible. It shows as last updated 17/09/2007 &…
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hi can anyone help
hi all my partner is currently looking at buying a property to rent out he has a good 60 percent deposit and would like a mortgage for the rest but the problem is he is in a debt managment plan does anyone know of any mortgage companys that would help him we ve searched the internet and just keep getting dead ends any help…
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MSE News: Clydesdale and Yorkshire banks increase mortgage SVR
This is the discussion thread for the following MSE News Story: "The pair have become the latest mortgage lenders to announce a rise in standard variable rates ..." Read the full story: Clydesdale and Yorkshire banks increase mortgage SVR
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10% Deposit with Default
Hi guys title says it all really, Will it be possible for me to get a mortgage with a 10 % depoist with a 2 year old CC default? Thanks
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DirectLine residential - buy to let authority?
Hi We are currently looking into letting our property out but it is on a residential mortgage through DirectLine, just wondering if anyone here has been approved/declined by them? Sitting on their svr, as they transfer any new lending to a RBS mortgage was guessing that they would do similar with a Buy to let request? Any…
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PPI on Northern Rock Mortgage
My husband took out a Northern Rock Mortgage in July 2004. All of the paperwork was completed by our financial advisor at her home and my husband met her the following day to sign the form. He didnt bring a copy of the forms home and has no recollection of wether the mortgage protection box was ticked or not. He sold the…
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Is there a prefered date in the month to Remortgage
Hi All, We are currently remortgaging to a new lender, ive been wondering if there is a better date of the month to start the new mortgage. my current mortgage comes out on the 21st of each month, is it better to start the new mortgage on the 18th say or is it better to make another payment and start it on the 22nd, if…
