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Help with mortgage renewal please!!!
I know this has probably been asnwered a million times already, so make this a million and one :D I am trying to renew my mortgage currently and I wasn't too pleased with my renewel quote from Progressive. Basically, my payments have now jumped from £608 per month to £652 per month even though interest rates have fallen…
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Is there an official website where I could find local mortgage adviser?
I'm a new FTB. Just wondering if there is an official website where I could find local mortgage advisers in my area? Thanks.
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Secured loan - Mortgage arrear & LTV Questions.
Hi All, I'm hoping you can help me with my current situation. My current partner has a house - I live with her. The house is in her name and her ex partners name - Her ex partner walked out on her in 2010. The house was purchased in 2008 for 200,000 with a 100% mortgage. They also obtained a secured loan of £25,000 for…
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Let To Buy vs Bigger Repayment?
Hi all, Been struggling to work out the best of a mortgage predicament we're in and can't work it out. We wish to move house to property 'B' and rent our current house (property A) out. We overpaid on our mortgage so have £20k we can release and transfer to a mortgage on the new place, but to make up the difference, have a…
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Serving with HM Forces Overseas and requires mortgage
I am currently serving overseas and would like to obtain a mortgage towards my home in the UK. As this will be my sole property, do I qualify for a first time buyers mortgage? Whilst serving overseas my intention is to rent the property out until my return where I will live in it. I have spoken to colleagues and have been…
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FTB Bad Credit Advice
Hi, I've been lurking for the last couple of weeks and finally built up the courage to ask for some advice on my situation. My girlfriend and i have found a house we wish to buy and have started the process by applying for a mortgage. She has an excellent credit history whereas mine is not so good. In 2010 i received a 20%…
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Pushing DCA's to update CRA's
POSTED THIS IN DEBT FREE WANNABE NO ONE HAD ANY IDEAS SO THOUGHT I WOULD TRY HERE! Hi there I need the DCA's I have paid off to update the CRA's fairly urgently so I can sort my mortgage. I spoke to Cabot today, they said they will pass something on to their team and look into it. Capquest on the other hand said they…
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Two mortgage applications
Hi All Nationwide have just approved a tracker mortgage for myself and my husband at +3.49% (subject to survey). My husband had a house repossessed 7 years ago with no mortgage shortfall which nationwide are fine about. Currently our house is in my name only with a mortgage with Santander on a lifetime tracker of +0.99%.…
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Natwest 'Consent to let' advice
Just seeking some advice from anyone who has recieved NW consent to let permission. I would like to know what their conditions are, if any, and how long is the process. Any advice is appreciated.
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How do i know if there is another bidder or is the EA playing me?
Hi Im bidding on a house and i keep getting outbid. Can I ask the Estate Agent for proof that the other person exists? We all know they work on commission Cheers
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Connells broker fee - wont refund even though i have it in writing
Connells estate agent offer a mortgage service, they charge a huge broker fee of £349, sold as a life time membership fee. I told them i would only use them (instead of going direct) if they would refund the charge if the house price increased from my first offer. I have been outbid, so as i put a higher offer in. They are…
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No deposit but want to buy, advise please
What is the best way for us to get on the property ladder? We'd be looking for a joint mortgage, Ive not owned a property before. Neither of us have bad credit history. We do not have a deposit. Applicant 1, 35 years old, 32,000 pa Applicant 2, 41 years old, 16,000 pa Ive tried looking but Im really confused. Any advise…
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Remortgage advice
Have only one month to run on current mortgage 90% mortgage at 5.29 + base rate house cost £100k. Have just had house valued by 3 estate agents at between 112 and 115k, currently have savings of close to 10k. We would like to move house and once we are married in 8 weeks or so we will actively pursue this, i have a few…
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Just get an offset-mortgage it's a total no brainer
Got repayment mortgage with Alliance & Leics and if we stuck with it we still be paying it now - crap! Best thing we did was move to offset mortgage (with First Direct) They offset any savings we have with them (we offset 3 accounts) against the mortgage (what we borrowed) and only charge interest on the difference - in…
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Ftb
Hi all, Looking to purchase a house for 110,000 with 11/12,000 deposit Natwest and RBS have said they would lend us the money required with Natwest offering 2 years fixed at 5.49% and RBS 2 years at 5.59% - we have agreements in principle from both of these. First Direct are offering 2 yr fixed at 4.89% with no fees and…
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looking to buy a house
Hi All, I wonder if anyone can help. Myself and my girlfriend are currently living in a 1 bed flat which has a mortgage on a part-buy part rent (25%) and is currently valued at 90k. We have £5k equity and a £22.5k mortgage soon finishing its fixed rate with woolwich but is solely in the girlfriend's name. We are looking to…
