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Santander Mortgage issue its long but please read lol
Hi all really need some support/ advise can anyone relate? i have pasted my correspondence below. still not heard anything. its a long one but please do read: (02/04/2012) Dear Ms xxx Whilst looking into our complaint I would like you toconsider the following: ·We have now been forced towithdraw from the purchase of our…
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Questions about Death, and the Mortgage that is left..
Hello all! Firstly, let me say even though my husband is ill, and no one knows really what is going to happen for certain, I still wanted some advice regarding the mortgage. As to be prepared is the best option, we have children living at home. Hubby has not been able to get life insurance after his heart attacks. Had the…
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Re mortgage to buy Buy to Let??
I originally posted this on the house buying board, but think this might be the better board. Any thoughts, most welcome! I've not ventured onto this board before so be gentle! This idea might be pie in the sky, but I'm of the view that it's always good to check out your ideas, some of my best ones seemed crazy at first!…
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Question about Guarantor Mortgages
Hi All I am a first time buyer and was wondering if anyone knew the answer to the below. I am just moving jobs at the moment (bigger Salary so won't effect income multipliers) but was wondering what this means when applying for a mortgage - do I have to wait a certain amount of time before I will be eligible to apply for…
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Mortgage Concession
Hi I wondered if anyone thought I was being unreasonable? We have asked Norwich & Peterborough BS for a concession on our mortgage due to financial hardship ( I have become too ill to work due to disability) my husband has had to give up one of his part-time jobs to care for me. We fall £16 over the governments Mortgage…
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why cant I get a new mortgage from HSBC or any other lender it appears?
My mortgage needs are a little more complicated than normal but they are not difficult to grasp so why does no one want to lend me any money for a new mortgage. I brought 64.9% of my current property from the council in 2002 with a legal charge on the property of 34.1% to be paid to the council if I sold the property. I…
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Borrowing to buy a disused pub
Hi, Can anyone help with this one? We are looking to move and are considering the possibility of buying a disused pub for residential and possible future business use. Where could I get advice on this sort of venture and what possible loans/mortgages that are available? We would be looking at a purchase between 100 to…
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How soon can i reserve a mortgage rate to get a good deal now?
Hi all My current fixed term mortgage with HSBC expires at the end of August this year. Im starting to look and compare rates now and some good deals i saw a few weeks ago have already dissappeared. Does anyone know how early i can reserve a rate for a product? I know this will probably vary from lender to lender but any…
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Mortgage Issues
Hi I have a few mortgage issues. My ex partner with whom I share a mortgage has moved out of the house we share and is refusing to make any payments towards our mortgage. We are trying to sell the house however we have discovered some subsidence on the house that needs fixing. The issues are, I am struggling to make the…
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MOrtgage direct debit cancelled with bank but taken anyway
Hi, probably posting wrong place but hopefully someone here can pick their brains and give a little advice. I cancelled the mortgage direct debit for this month as we have been experiencing some problems and wish to pay them manually.(NRAM). I cancelled the DD on friday last week however it is showing on our bank stuff…
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SVR's Terms & Conditions
Hi, With all talk in the news of all the SVR rises, I am starting to feel a little anxious, we currently have a fixed rate mortgage with IF and it's coming to an end in September, it was a 4 year deal fixed at 7.39% and we were banking on it it falling to the amount stated in the mortgage offer "Intelligent Finance's…
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MSE News: Co-op to raise standard mortgage rate
This is the discussion thread for the following MSE News Story: "54,000 Co-op and Britannia mortgage holders will see their mortgage rate rise next month by half a percentage point" Read the full story: Co-op to raise standard mortgage rate
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SARS template
We want to send our mortgage lender a SARS because we are disputing the amount of charges, interest and arrears they are saying we owe them and they keep giving us different figures. Can someone please tell us where we can a find a SARS template to send them.
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1st time buyer + previous buyer - what mortgages are available?
I know that are various mortgage deals out there for you if you are a first time buyer, but what if you are a couple where one of you would be buying for the first time and the other has previously held joint mortgages with their former partners? Hubby's house sale is in the final weeks of paperwork etc before that's…
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Mortgage with past repossession?
Hi All I've had a mortgage with Santander (was A&L initially) for 5 years now and need to add my husband onto mortgage to be able to prove that we can afford to port the outstanding balance to a new home. We are not looking for any additional money. My husband had a house repossessed over 6 years ago before we were…
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What do I do now
Hi Everyone I have just finished my 2 year fixed rate but I don't know what to do with my mortgage because of the following 1. Self Employed only just finished 2 year so don't have 2 year accounts. 2. Mrs now works part time as we have 15 month old. 3. I have debts which include 5 default accounts, been using CCCS for last…
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end of fixed rate mortgage
our fixed rate 2 year mortgage finishes in July this year. At the moment we are paying £420.00 a month on 127,750.00. Are we better letting the mortgage deal just run out as if I'm reading it right we would automatically revert to the barclays base rate? This would be less than we are paying now each month. Or are we…
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Bad credit history - eligible for mortgage?
Hi there, I am 25 years old and I earn 20k per annum working full time. I have been renting a flat privately for a year and lived with parents before that. I belive that my landlord wants to sell my flat as I have had a request from the letting agency to allow them access to carry out a valuation. I am interested in the…
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Buy to let advice - is it possible and best way to do it?
We're looking into the possiblity of buying a neighbour's house for £240,000. The idea is to rent it out for a few years, then move into it when the kids have left home and sell our current larger house, or sell both homes later on and get a better house. We don't have any pensions of any value and wondered if this would…
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Missed payments on a Secured Loan
As with most on going divorce's, there is a lot of history and hurt behind my story but I'd like advice on one particular area that has gone recently gone wrong with the mortgage (Nationwide) and secured loan (Freedom Finance through Barcleys). I was turned down by halifax for a current account on saturday due to a poor…
