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Desperate Father needs advice buying property In Italy
Please can anybody advise me about buying property in Italy (Lake Como) area. I am in the unfortunate position of having my 3 year old daughter abducted to Italy, after a long and very unfair legal battle (uk family courts) my little sweetheart is now permanently living in Italy. I need to get an apartment for us to spend…
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f/flow TFR help (mortgage change)
I remortgaged with Halifax last week from RBS, it all gone through fine, but today i checked my bank and i have a F/flow payment from RBS for £780, can anyone tell me what this payment is for? its over £100 more than my usual mortgage payments so i cant connect it to that. I have googled it with no luck and for the life of…
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Buy to Let help please!
Hi Guys, I bought my first house 4 years ago. Unfortunately 18 months ago I was made redundant and decided to move back with my Mum as I was struggling to pay all my bills. I informed Woolwich and they gave me permission to let the house till this September. My worry is that I will not be able to find a buy to let mortgage…
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At a loss, what is next?
Hi, hoping someone can help. I have split from my partner and he has agreed that I can take over the mortgage and have his name removed. He does not want any payment for equity. He has stopped the mortgage payment and associated insurances which were paid from his bank account via direct debit. I have spoken to B'ham…
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MSE NEWS: NatWest launches lowest 5-year fix as mortgage rates fall
"A new record low five-year fixed rate mortgage has been launched by NatWest today at 2.95%, amid falling rates ..." Read the full story: NatWest launches lowest 5-year fix as mortgage rates fall
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Dodgy 'Accountancy' firm.
This firm is apparantly helping prepare accounts in order for self employed people to maximise thier chances of gaining a mortgage. Is this dodgy? Are there Tax implications - would tax returns match up with the accounts this mob help prepare? They do not appear to be Chartered / Certified and the site is as at today still…
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Mortgage Problems - can they cancel it?
To cut an incredibly long story short I've been arguing with my mortgage company for some time now about our rate. Anyway, they refuse to speak to me anymore about this and will only tell me if I'm not happy I should go to the ombudsman. But here's the issue. I am concerned that if I take this further then the mortgage…
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Can I negotiate a discount when redeeming a cheap mortgage?
We currently have a mortgage spit roughly 2/3 on a newer "market rate" and 1/3 on an old rate at .94 over base (for the remainder of the term) which was ported over from my wife's previous home. Both have 19 years to run. We have a child or the way :beer: and my wife is adamant that we need to move to somewhere bigger.…
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Leek United Mortgages
We have been reccomended a mortgage with Leek United - the rate looks good etc. However I feel slightly nervous going with an organisation I have never heard of before... does anyone have any views on Leek United... their website looks good... initial customer service has been excellent so far... established since 1863 so…
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HSBC refusing letter to allow us to rent out our property.
Hi Can anyone help? Recently my husband and I decided to put me on tge mortgage and remortgage to extend our home. We did so but now we have decided to go to Australia for a year(ish) instead of putting on the extension now. We contacted HsBC for a letter but they have refused saying that we must have held the mortgage…
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First time buyers Mother and son - Advice Needed
Hi I wonder if anyone can help me. My mother has stayed in her 3 bed council house for over 20 years and has the right to buy with discounts for around £35,000. I Currently rent my own flat with my wife and daughter. My mum has been struggling recently with health and finances so my wife and I with our daughter have agreed…
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Transfer of equity
I have a mortgage with Alliance Leicester. My husband and I were Tenants in Common. He died last year and I am being told by them that in order to apply for a new deal, I will need to pay the building society and a solicitor to complete a transfer of equity. My husband died 16 months ago and I have continued to make the…
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First time buyers - broker or no broker is the question
Afternoon I would like to pick your brains on the topic “broker or no broker”. My partner and I are thinking about our first home (in London/Surrey) and whether we should be using a mortgage broker or not. Our situation is - First time buyers - Desired property budget is £170,000 - £200,000 We would like to put a £50,000…
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Mum and two sons wanting to buy a home.
Hi, I feel this is very complicated but hope somebody out there maybe able to point me in the direction. I currently live with my mum and am in partnership with her on her farm (although I am the main 'working' partner) The farm and house are mortgage free. We have seen a house we would like to buy for me to live in but as…
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Some mortgage questions re. income and bank statments
Looking to become a first time buyer within the next 18 months so just doing a bit of early research. Two things that I am unsure about: - How long do I have to be in a job for the income from the job to be taken into account? I have just left my job to give myself 2 months off. Have a new job lined up in two months which…
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RBS Mortgage Transfer to New Property
I recently applied with RBS to port (as they call it) my mortgage to a new house I have put an offer on: 1. I am not in a fixed deal and am free to move mortgage 2. The amount I want to borrow on the mortgage when it is ported is less that I currently borrow, with a greater deposit 3. I have never missed a mortgage payment…
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Why do mortgage calculators give different results?!
I was on the phone to my bank as my current deal is ending. I have £229,045 outstanding. 19 years left. 2.99% offered. Bank tells me that my monthly repayment would be £1313 per month. Later on during a bored moment I went online and googled mortgage calculators. MSE, BBC, MoneySupermarket, and two others all gave…
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@ Experian Company Representative (James Jones)
James, Your organization has failed to action a notice of disassociation within the SLA timeframe you quote. I logged one on your website over two weeks ago. I logged one on your website over one week ago I sent one through the post over one week ago I called your organisation every single day for the last 8 days. I was…
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first time buyer + homeowner??
Hi First post so be gentle! I'm a first time buyer (currently renting) and have a 10% deposit saved towards a 220K property. My girlfriend is already in a mortgage of 90K and she has another 13K savings she is looking to invest. We are wondering what makes the most sense in terms of her savings. If we were to buy together,…
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Mortgage credit check help
Hello everyone, can someone help me please. I have applied for a mortgage and been given an AIP. My credit rating is good, i have had a few credit accounts over the last 7 years and have kept them all well and up to date, also i have a few running at the moment, and both credit records with both experian and equifax look…