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How long to get charge on property removed?
We paid off our mortgage last week with HSBC.:beer: I called them about removing the charge on the property and they told me that this would be done in "due course". I was wondering if anyone had any experience with this issue and could advise on the actual timescale (days, weeks or months?). TIA.
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To fix or not to fix ?
Hi, We have always had fixed rate deals with Abbey / Santander during the life of our mortgage (which has 8 years 5 months left to run) and i am tempted to take up a fee free offer from Santander to fix for 5 years at 4.29%. Would this be wise just now with the recent talk about interest rates ?
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Kensington Mortgage
I just received a letter from kensington mortgage that because i have settled the account in 2004, section 77 of the Act is no longer applicable. Also that due to the age of my account with them, all documents have now been destroyed and they are unable to provide me with a copy of the terms and conditions How do I pass…
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Outgoings?
I added to an old thread but think it got lost. Situation is this joint applicants but only using salary of 1 as my employment is at risk of redundancy HSBC have asked for a list of outgoings and bank statements (obviously). Our biggest outgoing is childcare, but this isn't applicable if I am not working. Ie it is attached…
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Switching mortgage providers
Hi all I know this maybe a silly question but if you switch mortgage providers do the new ones do a credit check. I know if I stay with my current provider they said they dont have to do one and they just want to know income and out goings.
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co-operative bank?
Hi, Has anyone had any dealing with the co-operative bank, regarding mortgages or anything else? Im considering applying for a mortgage with them, but wondered if anyone had any opinions or anything that might sway me away from them? Thanks
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Fix or Stick? What are the predictions for the base rate
Our current nationwide fixed mortgage deal has just ended and we are now on a guarenteed 2% above the Bank of Englad base rate putting us at 2.5% the best fixed term ratres around at the moment seem to be around 4.1%. so we are currently saving around £90.00 per month by not fixing, Im a bit of a gambler and am tempted to…
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Morgage Rates
Has any one else noticed that HSBC have increased their morgage rates!:mad:
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Hsbc rates
Anyone noticed that HSBC have increased there morgage rates?
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complete friday, nationwide mortgage funds
Hi Exchanged contracts monday, sol sent of certificate of title to lender on monday confirming complete this friday. We paid ours funds by TT to sol today. I emailed asking him if when nationwide mortgage funds would be there and he replied with "should be friday" Which seems a little vague to me, does he just send the cot…
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Endowment- what would you do
Hello Would like to run my endowment situation past members My wife has an old endowment which is due to mature in 1 years time. Today it is worth £13707 which she can take with no penalties. on top of that my wife would,nt have to pay a further £289.56 in premiums. So about £14000 in real terms that i could put in our…
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Structural Engineers Report
I've received a letter from the bank saying that to proceed further in my mortgage application, they need a Structural Engineers Report carrying out. Does anybody have a ballpark figure for this kind of work? Thank you please.
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Self-employed mortgage with low LTV - help
[FONT="]I currently live in central London, paying £1,842 in rent per month. As a first-time buyer, I have my eye on a London apartment which is on the market for £1,050,000. Assuming the vendor is willing to sell it for £1,000,000, and that my father is willing to contribute £700K as a deposit, would I be able to get…
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Mortgage application with Senior Underwriter?
I think I detest being self-employed in this current economic climate. My wife and I are currently going through a mortgage application which has been agreed in principle. We've been turned down a few times over the past even with good books! We've filled in the application, submitted accounts, payslips (she's employed).…
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Olympic Let - Bank dates do not math what we need by 5 days and cant budge
doing the right thing we have approached our mortgage company to get permission for a let over the Olympic Period. We need it from mid July until Mid August. The bank offers this but have informed us, as they have everything pre-set-up the dates are late July to late september. We expressed we need it for a good few days…
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going crazy!!! advice please
hi there, hopefully someone can give me some advice in regards to a property that I own. the situation is i have a joint mortgage with my ex partner, i have not lived in the property or paid anything towards the mortgage for three years, all the time the property has been on the market with little to no interest, the…
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looking for a mortgage with a bad score
hi my credit score is around 630, my partner is really good with money and has a good credit rating. what are the chances of us actually getting a mortgage as i am really worried. there is 2 accountsd still open and i cancelled them last year.
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Can a flawed survey on your house be overturned? Help hugely appreciated.
Hi there, we're in the process of selling our house. Our buyers are with Santander - the eSurve surveyor sent by Santander basically shut down his survey upon learning that we had a leakage 2 years ago which we claimed for with our insurance. Despite proofing that.... a) that all remedial work was done b) the house does…
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This may never happen but just in case...
We (my hubby and I) have a mortgage with Northern Rock which is fixed for 5 years (expires 2016) and our monthly repayments are a little over £2000 (we have a very short term). My hubby pays around three fifths and I pay around two fifths. We don't have any MPPI. Anyway my question is if my hubby were to lose his job…
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Transfer mortgage to Credit card?
I've never used a forum before so apologies if I'm breaching etiquette in any way. I have a small capital and interest mortgage with a balance of just under £10,000. I'm paying lump sums as well as regular payments when I can. it's due to be finished in October 2014. I wondered if it were possible or advisable to transfer…
