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Fixed rate period ending soon
Our five year fixed mortgage rate period is coming to and end this year. What is the best way to go about getting a better rate mortgage? Thanks
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Which mortgage to over pay?
Hi, I have two properties, a flat which I let and a bungalow I live in. The mortgage on the flat is interest only and the bungalow is an offset mortgage. The mortgage on the flat is approx. £44,000 , and on the bungalow about £100,000 My question is that I have a few grand and rather than sticking it in a savings account,…
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Monthly Mortgage Payments seem more?
I had a mortgage back in 2004 with Bristol & West but once the agreement came in the post I noticed the monthly payments were more than I'd expected. At the time interest rates were due to increase and so I had no alternative but to agree it. I have recently contacted them to query and they say no PPI or any other values…
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Sneaky Halifax
I have recently phoned up Halifax for a couple of routine issues, which have been dealt with well. However, the last few times I've noticed them being a bit sneaky. Normally, after they've dealt with my query, they ask about home insurance. They aren't my provider and would like to be. They always ask who my current…
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Nationwide Mortgage Application
I put through the Mortgage application to Nationwide through an IFA on 3rd May, the Survey/Valuation was done yesterday, I just wondered how long Nationwide normally take to send out a mortgage offer once they have all the required information ? anyone had any recent experience of timings ?
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Increasing mortgage to fund improvements
Please excuse my ignorance on this issue but as a first time buyer I'm looking at buying a bit of a project. I'm wondering how easy it will be and what the penalties are (in terms of arrangement fee and interest rate), if I get a mortgage for a greater value to pay for the improvements. I'm looking at a property at £122k…
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Mortgage
Can anyone give me a bit advice please? I currently have a mortgage with NRAM (previously Northern Rock). I am looking to sell my house and hopefully get another mortgage to buy another house. I have an arrangement in place via the courts to pay arrears. Is there any chance of me getting another mortgage? or am I better…
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Proof of address questions
Hi all. I've working in London for a few years. And for the last 3.5 years was have been renting a flat for the days when I've worked. And have been living back home on my days off. For that reason I kept my bank details the non London address and was on the electoral roll there. A few months ago I moved permanently as It…
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Need a bigger house - ex bankrupt
Hi I am married with wife and 1 22 month old boy living in a 1 bedroom house. My current house is worth about 75k, mortgage o/s is 50k, never missed a payment. i was made bankrupt 5 years ago and bought the equity back to keep the house. The house is currently jointly owned with my dad, we took the mortgage out 2005, and…
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CTL from NatWest, what is the process?
I called Natwest to let my property, they sent me their agreement and a form to fill and sign. They didnt ask for much just name and forwarding address for future post. They have taken the £100 admin fee from my account. The form was sent recorded delivery roughly 3 weeks ago. Does anybody know what the process is and how…
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Negotiating a Good Mortgage Deal??
Hello everyone, I'm rather new to the world of mortgages and I've found 2 similar mortgage products that I'm trying to decide between, for my first mortgage. Seems to me that the lender could potentially make a lot of money out of me by lending me the money I need. With interest rates from the 2 lenders the same, my choice…
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Mortgage info came through wrong!
Hi everyone, A simple one hopefully but just wondering if anyone has had similar experiences. We've just bought our first house, moved in 2 weeks ago. Today the mortgage payment schedule finally came through from Nationwide, but the details are wrong compared to what we applied for and the offer we received. Basically the…
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Trying to go with the flow
well last time i posted i had an offer accepted and mortgage survey done lower offer from halifax but everything was good with us but we found out the property was mis advertised with the estate agents as having change of use from commercial to residential. well to our horror and after a morning of phone calls we had to…
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can we borrow enough ? and do we have a default !?
Hi, Basically weve seen a new build house we like for £180k. Hubbie earns £22500 Me £13k 2 kids. pay £560 per month in childcare - i here some lenders take this into account, some dont ? Currently get £6500 pa in child benefit and childcare tax credits. Just paid off our only o/s debt of £500 credit card and £160 store…
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Mortgage with a credit score of 656???
Im looking to buy a flat which is 50,000. I was wondering if i would be accepted with a credit score of 656?? any advice would be appreciated. i earn 30k a year but my credit history is poor but getting better each year. many thanks
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mortgage for ex bankrupt
Hi, I have just come out of bankruptcy and my mortgage company will do a deal on my mortgage if I can get another mortgage lender. I am self employed and was bankrupt for last year although it remains on my file for 6 years. Any idea how I can get another mortgage?
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mortgage with your bank - captive audience?
I was in my local halifax branch yesterday and out of the blue the person over the counter asked if I would like to meet the mortgage advisor to see about a mortgage with them etc I am saving a deposit for a house so I thought why not so up I went. I just wanted to ask do most of you have your mortgage with your bank as it…
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family shared mortgage
hi does anyone know if it is possible for a family ie brother and sister and there partners to get a mortgage together if they both already have a mortgage ? the property would not be a let property but for there parents to live in ?
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Applying for a new mortgage with existing consent to let
When my wife and I relocated we obtained a consent to let from our lender and have been happily renting out or old flat since. This flat has been rented out for almost two years and is self funding. Now we want to buy a family home in our new location (also UK I should add) but want to keep the flat as is on consent to…
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5 year mortgage deals and any opinions on CO-OP mortgages
Hi, We are looking at a five year mortgage and have found the co-op fixed until 31/08/2017 with an inital rate of 4.09 then a rate of 4.74%, LTV 85%(170,000 house price), this comes with fee of £999. Are there any better deals? House price as above is £170,000 deposit is £25,500. Joint application with total income of…
