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Skipton BTL mortgage web pages - bonkers or is it me?
this page says "How to Apply" with a link to "Online" http://www.skipton.co.uk/mortgages/buy-to-let_mortgages/2yrBtl_70ltv.aspx If you follow that link, you are told here: Step 1 a first time buyer/s (someone who has never owned a property) a new or existing customer(s) moving house re-mortgaging your home So in fact, you…
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Mortgage Advisor Manchester Area
I wondered if anyone could point me in the right direction of a good mortgage advisor in the Manchester/North West area. I think you may have to DM me as it might be against the rules of the board. Thanks in advance J x
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mis sold sub prime mortgage
Hi, not sure were to post this, I have been contacted regarding the possibility of a mis-sold sub prime mortgage. I took a second mortgage in 2002 with SMPL as we could not get a mortgage anywhere else due to bad credit. I have searched the internet about mis sold sub prime mortgages. Is it true that you can reclaim…
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LSAP with NewBuy Scheme
Hi Just wondering if anyone has any advice or experience getting LSAP for a mortgage or even better if Mortgage companies are ok with LSAP as part of the deposit on the NewBuy scheme? I've read the NewBuy paper work and they are accepting incentives as part of the scheme but I'm just wondering if anyone knows anything to…
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Offer Temporarily Withdrawn
Before the panic starts!! does anyone have any ideas as to why a mortgage offer from Santander made on Friday would now, today, be temporarily withdrawn? As we were due to exchange today our solicitor has been on the phone but was not able to find out why.!! any help would be greatly appreciated.
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spml repossession
just had bailiffs at the door handing notice to vacate house , its been to civil court and its ( gone through ) they say i owe £2000 in arrears even though i got paying in slips from bank which shows payment been made , they say they never received the payments Even the bailiff seen the proof and phoned the company , they…
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Mortgage fraud ???
Have a joint mortgage but going through a separation. Have just discovered that my spouse has taken out a £10000 extension to the mortgage without my knowledge. Money has disappeared !!!! Building society say they have a record stating that they spoke to me for my approval however this was not the case. What can be done ?…
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Tax Return and SA302
Hello, Very quick question. I'm self-employed and needed proof of income for my mortgage. A few years ago so I had them sent to me by HMRC (They don't send them automatically if you file online). I'm looking to move house and re-mortgage soon and I have today submitted my tax return online. Does anyone know how soon after…
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Re Mortgage Advice
My current 2 year tracker rate is due to expire in the next four months. The outstanding balance is £49k (repayment period of 9 years). Simply I’m not sure whether to continue with a tracker mortgage or change to a fixed mortgage. Also what period I should lock in for. Thanks for any help/advice
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Northern Rock fixed term coming to an end
Hi, my Nothern Rock 6.99% interest mortgage is coming to an end soon. Does anyone know what happens next, my LTV is way to high so I cant switch to another company will I just go on a variable rate? Regards Ben
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Advise on getting a mortgage!
Hey guys i need your advice i currently live in a 2 bed council flat with my family of 4 that i bought about 7 years ago, I am now considering moving because i need a house with a garden for the kids....i was considering selling the council flat but dont think it will be easy to sell, but if i renting its got a huge…
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Shortfall Advice needed
Hi am hoping that I might be able to get some good solid advice on how to deal with/sort out the situation below. I currently joint own a property with my ex (we are on reasonable enough terms) and owe approx £124k on the property. £118k is secured and the other £6k unsecured. Thinking of selling up as the stress is…
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First Time Buyer Needing Advice!!!
I'm a FTB looking to purchase a house I have seen. I will be purchasing on my own so am looking for a fixed mortgage ideally for 5 years. I am looking to borrow £80 - 85k on a property worth £125K I'm very confused on whether to try and attempt to source a mortgage myself, use a broker go to my bank???? I have a solicitor…
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Remortgage redemption figure clear up qu's
Hi, currently moving from Natwest to HSBC and had an email off HSBCs solicitor saying there is £1450 I need to pay to cover differences. Looking at the schedule I have from taking mortgage out in 2010, at start of year 3 (i.e this month) capital should be X but the redemption figure is near £700 above this. (I realise I do…
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buy to let
hello there people, apologies if this sounds so stupid to some/ all of you but i have to ask, at the momnet we owe around 75k on our house, approx 9 years to go on mortgage. we want to buy a flat and rent it out, cost will be around £60k. only really glanced at some mortgages and they want 25% deposit on buy to let? we…
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Pensioner Missold Mortgage
I think I have been missold a 25 year repayment mortgage fixed for 5 years by the Halifax I was 68 at the time in 2009. Now they say I can not transfer to an interest only mortgage (this would be much cheaper for me). I feel I should have been sold an interest only Mortgage in the first place. So I am now trapped in my…
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looking for a low monthly payment re-mortgage fixed rate over 5 year deal
looking for a low monthly payment re-mortgage fixed rate over 5 year deal with no/low booking fee. Hello, I am new here and trying to find help for a friend as I have no clue about mortgages. The above is word for word that she has asked me. Thank you.
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Taking your name off a mortgage
Can anyone help me, I'm looking for the legal term used for removing your name from a mortgage following separation. It's nothing to do with selling the property or buying the other partner out, it's purely to do being officially removed from the mortgage fully. I'm sure it's a Deed of somesort.... Many thanks
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end of fixed term, what to do ?
hi all we're coming to the end of a 2 year fixed rate and the bank (Barclays) has offered us the following deals, that are lower % than our current deal... outstanding balance £42,500 2 years @ 2.99% no fees £291/month 5 years @ 3.99% no fees £312/month currently paying £340/month I'm pretty sure the post fixed rate is…
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2nd time buying - from sole to joint, advice needed!
Hi All Sincere apologies for this data dump, but i'm a bit gutted at emailing all of the following to my email IFA of 10 years to find he's vanished off the planet. So my subconscious taking for granted that i've got an awesome (free, honest and friendly) IFA at the end of an email account if I need him, has come back to…
