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Mortage Advisor - Advice
Hi All, Quick question - I can't seem to find the rates offered by my mortgage advisor on the lenders website - should I be able to? Thanks.
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Mortgage dilemma - how to split money?
Hi there, I have a dilemma which I'm hoping I can get some advice on. I currently share a mortgage with my sister but there are actually three of us paying into the mortgage (50% me, 25% each for my sister and her fiance). The deposit was split three ways however (equally). Couple of questions.. 1) If I was to move out…
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Getting a mortgage
I will apolgise if this post is in the wrong place. But I just need some advice. Me and my husband are currently renting and looking at buying our first home. We have been giving his mum £100 a month to pay an outstanding debt, and until last week we thought she was paying it, but turns out she hasnt and he has 'defaulted'…
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Halifax mortgage offer in principle
I've just phoned up Halifax and received an offer in principle. Does anyone what the chances are of it failing from here and what could influence it. The women on the phone said my credit score was good enough so there should not be a problem
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Halifax rate increase letter in the post
Hi all. I'm about a year in to my tracker mortgage 2 year term. In the post the morning I had a letter from the Halifax saying they are increasing there rate from 3.5% to 3.99% I'm sure other people have the letter too. A paragraph states "why has my mortgage gone up even if the base rate has not" and goes on to explain…
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Scottish Widows & timber frame house
Have found a dream home set by the forest, amazing views, a great family place. Our mortgage company Scottish Widows originally told us we can port our mortgage and top up if need be. We have just been told that they won't do this as the house is part timbered. Just the upper floors not the ground floor which is brick.…
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Advice FTB related
I have a deposit of 15k to 17k at max. The house i want to buy is likely to cost 100k meaning i will need to borrow 85k - 83k depending on deposit. does anybody know of the best deals available in this situation? thanks, Dan
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Confused!!! First time buyer with older partner
Hi I am hoping some of the kind people on this board can help me out as my head is spinning!!! My partnera nd I are first time buyers with a £25000 deposit. I earn £17400 and he earns £15300. We are hoping to buy a property for 125000-130000. I am 35 and my partner is 47. We have been told by the Halifax that we can't get…
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Another How Much Can I Borrow?
Hi All, Iv been looking around with the online calculators for the different companies and its getting very varied. I thought i would come here for advice instead. My situation is that i have a deposit of around £25k looking for a property around the £160k mark ideally (but not the end of the world if not). My question is,…
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endowments
hi i have had a endowment for 12 years now, i wrote to them about 2 weeks ago stating that i was missold it and that it has under preformed ,I got a letter back today from Clerical Medical saying that they did not sell me this endowment it was a independent adviser, but my point is its there endowment. Can someone advise…
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NRAM 0% interest
Hi I would like to know if anyone else has been refused temp interest only due to financial difficulties with NRAM? We have a repayment mortgage but my partner, who works in construction, has not been able to secure a permenate job during this recession. We have been on interest only for the past year as I am able to pay…
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Transfer of Deeds
Sorry if this has been posted elsewhere but couldn't find with the search function... Basically myself and my ex girlfriend bought a house together. We pooled together our money (from family) and put into one big deposit. The majority was from my side and I didn't sign a declaration of trust (I say this because I can't…
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any help please?
Hello Current story is that me and my wife have been renting a house for 3 years, moved in and it needed every room decorating.We have done this and made a home in it with our kids. Now the land lord wants to sell now! after getting anything done! Because its a old house we havre been told we need a 10% deposit! The land…
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Halifax Mortgage Rejected - Any point in reapplying or appealing?
Hi all, I am a new poster in MSE even though I've passively read many threads and they've always answered my questions. Now I am a bit of a situation which seems peculiar. I had an AIP from Halifax for a First Time Buyer Mortgage. I am self-employed and producer 2 years of complete returns and a letter from my accountant…
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Advice on interest only mortgages
Hi can any one advise me on the subject of interest only mortgages. I have an interest only mortgage but I don't currently have an endowment, what would be best trying to get a repayment mortgage or doing an endowment. Currently paying 750 a month for a 224,000 mortgage. Any advice ? Thanks
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Mortgage and letting
Hi, I currently am paying a fixed rate mortgage on small two bed house, I need a bigger house and want to move to a different place, I am planning on renting my house and move into a rented property myself. Do I need to inform my current lender if I decide to let my property? A friend mentioned that if I do so then my…
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Adding husband onto mortgage - Santander
Hi All Wonder if someone could help me please? 7 years ago my husband had a house repossessed (this was before we were married and all was settled at the time of sale - it is not showing on his credit report). We bought our current home 5 years ago in my name. We now want to move house and port our Santander mortgage over…
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Mortgage and income protection cover advice
hi Ive been reading threads on here for weeks now and i am so confused, i am going to be selling my house (mortgage free) and wanting to buy a dearer property, so i need to borrow up to 50,000 I have no debts and have also got a large deposit also to put down. I need advice on mortgages and also we need a life/critical…
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MSE News: Is mortgage insurance a better bet than a fix?
This is the discussion thread for the following MSE News Story: "Borrowers who want to cap their costs have an alternative to simply getting a new home loan..." Read the full story: Is mortgage insurance a better bet than a fix?
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Remortgaage / further advance
Hi I did ask for advice for my brother last week but I now have further info so am asking again. Right he has a house worth £170,000, mortgage of 88,000. Mortgage lender tells him this will put him in the 40 (something %) ltv region. He has debts of about 36,000, paying about £1000 per month for. He wants a further advance…
