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First mortgage payment - when?
Hi everyone, we completed this morning! Whoop! Picked the keys up at lunch and moving in tonight - our first home and glad to finally be on the ladder. One question, when will we make our first mortgage payment? Basically when I set up the direct debit instruction when applying for the mortgage we put the date down as the…
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Britannia ShareToBuy Mortgage
Hi All, I have been shopping around to see what the best mortgage I could get with my partner (both graduates) on a 10% deposit (90% LTV). I came across the Britannia Share To Buy mortgage scheme which is exclusively for graduates doing a joint application, which seems to be the best offer available on the market. I was…
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Santander SVR
Hi, I currently have a mortgage with Alliance and Leicester (Santander) which ended its 2yr fixed agreement in March. As a result of dropping onto its SVR I am paying less now and therefore was happy to keep it on the SVR for the foreseeable future. However with the threat of SVR being increased by mortgage lenders I now…
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Building Society messed up mortgage payments
My building society has taken some of my mortgage payments from another persons account despite me advising them on at least three occasions of my correct bank account details. Does anyone know if they will try and get them back off me?
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cassielyn
I am 63, my husband is 78 and disabled. We have a mortgage with a big lender who has said they wont offer us a new mortgage because of my husbands age. Went to a broker who thought he could help, but 2 lenders have refused. How do older people buy and sell with a mortgage nowadays? I need a £145,000 mortgage, I am in work…
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Mortgage/Credit rating dilemma
Hi, this is the first time I have posted and I'm hoping someone can help me out. I took out my first mortgage almost two years ago and the original rate is about to expire, going on to the standard variable rate, which is almost double the amount. So, I have found a couple of better deals and intend to apply. There is,…
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Variable mortgage with min rate cap.
Hi, I took out a variable commercial mortgage coming up to 5 years ago, at 1.8% above the banks base rate. A clause which i didnt notice at the time had a min rate set at 5.75% which the bank reduced to 4% a couple of years ago for all there customers. Obviously im happy that they came down to 4% but would prefer it if…
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MSE News: Eurozone crisis could push mortgage rates up
This is the discussion thread for the following MSE News Story: "Banks pay more to fund home loans which could mean higher costs for mortgage holders ..." Read the full story: Eurozone crisis could push mortgage rates up
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Remortgage help
HI I have read loads of these thread but nothing has stood out for me that may help, excuse the length of this. My husband brought our house in 2007 for 169k with 10k deposit, the relationship broke down and he brought her out, due the the outstanding sum on the mortgage his dad was added to the mortgage as dh coudlnt get…
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Mis-sold mortgages
Is it true that there is the potential to receive a compensation payout if you have been mis-sold a mortgage with a sub prime lender by a broker? I was sold mortgage in 2007 with GE Money by a broker who told me I had no other option even though I don't beleive I had bad credit but was eager to get on the property market.…
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Nationwide BMR - can then change it without Base Rate rise
I am due to drop from my fixed rate at 5.48% to Nationwide's BMR at 2.5% shortly :j I see the BMR as a lifetime tracker at 2% above base but is there anyway that Nationwide can increase the 2%? I'm just wondering if there is anything in the t&c's to allow them to raise the rate without a Bank of England base rate change...
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Vendor To Withdraw **So Close**
Hi, I am currently waiting on a mortgage to go through with GE, they received the documentation on the 2nd and looked at it again yesterday and asked for a couple of bits we have provided and sent down to them to arrive before one, which they have. I rang my solicitor to find out the repossesion company have stated if they…
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Platform mortgages?
Hi can any one tell me if a company called platform mortgages take ex bankcruptcy (over 6 years),i think GE does? Cheeres:beer:
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Mortgage Advice - Do it ourselves or use broker
We are looking to get a mortgage for a city centre flat in the North West of England. We have a large deposit, good salaries and are looking for a good mortgage. So far we have been let down as our mortgage broker has found out that we can't get a mortgage on a 7 & 8th storey building (10 days wasted in the hunt for a…
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Experian Mistake
Hi there forumites, When applying for a new mortgage a fortnight ago, Nationwide couldn’t seem to find my current address or historic mortgage payments via a credit reference search and so could not approve my mortgage application based on just a Vodaphone contract from 4 years ago. My financial adviser suggested I sign up…
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Tracker rate changes
With all this talk of mortgage rates going up can First Direct raise the rate on their "Base Rate tracker offset mortgage" or is it set at the start of the agreement then for the life of it say 25 years and only rises if the BOE put the base rate up? The expanded small print says "Tracks the Bank of England Base Rate…
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help/info please, shared mortgage with father
im 45 and have had a mortgage with halifax for over 15 years. Current mortgage dept is approx 60k on a 190k property. Im a director of my own LTD company. Im interested in a new property but would need to borrow a further 60k (total mortgage 120k), property would value at around 290k. My problem is that my accounts show my…
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HELP! Is my bad credit score affecting my husband mortgage?
Hello, my husband and I were trying to buy a flat a couple of months ago. A private broker searched some deals and send us one of those Key Facts document for a mortgage but I don't think it was an agreement in principle. We never got that flat for various reasons but we now put an offer on a new property. When a new…
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Can I add someone on to land registry?
Hi, As the title says, can I just add someone on to the land registry? My sister & I inherited a property 10 years ago in both our names, we then remortgaged the property in my name only, so now the property is only in my name my mortgage but she owns half, and I need it somewhere in writing that she is a joint owner. Hope…
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SVR chart
Is there a chart anywhere that will show me a comparison of lender's SVR over time? It appears to me that after this deal and that deal at some point in time during the life of the mortgage we will end up paying the SVR so I would like to know which lender has the best track record over time of offering the best SVR?
