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Re mortgage advice
Hi..My fixed term mortgage ends in three months(it was part re payment and part interest) and i want to go for a repayment only mortgage.It will be for £126,000 but the problem is my income has gone down to £1000 a month.I live with my partner who pays all the bills and gives me £400 per month to cover mortgage.Will i get…
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Will I be refused Mortgage?
Hello I have had a house repossesed due to a traumatic relationship in the past, this was two years ago. I moved back to my parents and paid off all debts such as my council tax bill. For the past two years I have paid all bills on time such as phone bills, gas and electric bills so should have built a fairly good credit…
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Views on Mortgage Providers/Application
Hi, My partner and I have been considering applying for a 5yr fixed mortgage with one of the following providers: ING Direct First Direct Natwest Our current situation is: House we wish to buy: £230k Deposit: £60k Salary1: £34k Salary2: £25k We are both currently have a score of 999 on Credit Expert. There is one thing…
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looking for a new deal, but what type?
my current mortgage deal finishes at the end of June, so i need to make a decision asap about a new deal. My current deal which is finishing is 3.6% fixed with Natwest. Options I am considering are a lifetime tracker (First direct) , a 2 year tracker, (with natwest) or 5 year fixed (Coventry). All seem right for us in…
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new buy mortgage
Hello all, This is my first post so please be gentle! 4.5 years ago my partner and I went bankrupt due to a business failure. We have been discharged for 4 years now. We do not have any money to pay back for any of this. It does not affect us at all now apart from credit- and now that does not seem such a big deal. We have…
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Remortgage - equity release & now self employed
Historically we have regularly remortgaged, reducing the term and fixing the rate. Since the last time we have done substantial work to the house and I have "technically" become self employed. We'd like to remortgage and are just interested to know what I need to be thinking about before speaking to our lender. The work…
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Renovation mortgage- doing my own work?
Hi all, My partner and I have had an offer accepted on an (small) old school. We plan to convert it into a house, but haven't had much success with finding a lender. We have spoken to a mortgage broker but even he only came up with one possible lender and they want all work to be done by a registered builder (I want to do…
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New here.... Help please! Credit card to pay off mortgage?
Hi all, first post here so ease move if in the wrong place! After a bit of advice. Our fixed term deal is coming to an end in August and we have been advised by a financial advisor that if we can pay an extra £4k off the balance it will put us below the 75% ltv and open up a better choice of deals (we want to fix again,…
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Offer accepted on house, HSBC mortgage. Problem?
We have finally, after a long time looking, had an offer accepted on a house(Yesterday). My original mortgage offer in principal had elapsed due to the time. I decided to go for an 80% LTV tracker with HSBC and had the offer over the phone yesterday for slightly more than we required. I'm happy with the mortgage and feel…
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Can you get a mortgage to pay off a loan secured against a property?
I've inherited a terraced house that is mortgage free, but has a 'decent homes loan' secured against it (from the local council, in 2008, to stop the house falling down and install central heating etc). It's a huge amount, just more than £90k. I am now liable for this debt, but would rather not be forced to sell the…
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Cheltenham & Gloucester
I've just came to the end of a five year fixed @5.99%. I am now moving onto the SVR of 2.5%. What have most people done ? I've always gone for a fixed in previous years but 2.5% just seems to good to be true. Any Advice ? Cheers.
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Mortgage question...
Evening all, just a quick question...As you can see from my sig I am paying back my debts that were stupidly run up during/after leaving university. I am currently paying back £600 off this amount every month and want this cleared asap. However, I also want to be able to apply for a mortgage next year around July time, and…
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Opinions on YBS unusual mortgage
Would be interested to hear opinions on this mortgage, which seems to offer a nice combination of tracking for 2 years then going to a fixed rate for a further 3.....which should protect against the fairly inevitable rate rise at some point in the near future…
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Halifax stamp duty offer
as the title suggest's i've seen the "pay 50% of the stamp duty" Halifax mortgage offer.... ....my question: is this: (a) applicable to select brokers (i.e. countrywide) and direct or all brokers? (b) is it for selected products only or the whole Halifax mortgage range? I find it quite hard to comprehend in this new world…
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mortv
Really need advise please. When we brought our flat our only option was to have an equity loan from the government. So when we sell we have to give them the money back plus any profit... Anyway our current options are to sell the flat. Give the loan back plus profit and use our profit to buy a house. Our mortgage payments…
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Advice on new house purchase
Hi me and my girlfriends are currently looking at buying a property. It's on the market at 160k and it's been on for a good few years now and we know they are desperate to sell. We are not involved in any chain and have a mortgage agreement in place - it's just what product to go on :cool: I am hoping to get the property…
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remortgage or stay where I am..
Hi guys. My fixed term mortgage with yorkshire bank at 5.99% ended january this year and it dropped to 4.6%. next month they are putting it up to 4.95% due to their higher running cost, I'll now be paying 716 a month on 119000 mortgage with 22 years left and 20% equity. Q-is it worth getting a higher cost fixed rate for 5…
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is this ok before completion?
Hi, i have seen a number of threads regarding taking out hp and running up more credit before completion and lenders then refuse mortgage, which i completely understand. my question is i am due to complete this friday and have just taken out sky broadband to get it installed when we move in, will this affect my credit…
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Santander Mortgage
My fixed mortgage with Santander has just finished and I have dropped onto SVR. I have a new fixed offer on my coffee table (from Santander) but am wondering if I should take this up based on what has happened in Spain. Should I carry on and sign up or look elsewhere? Thanks in anticipation, Alex
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Yorkshire Bank 95% FTB Mortgage
Hi guys just wondering if anyone has had any success with the FTB offer with Yorkshire Bank? My wife and I are looking for a mortgage and are exploring all offers available... Your help will be much appreciated.
