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Help please
Hi Every one i hope some body can advise me , my husband and i have been married for 11 years but 3 years ago divorced our home had a £50,000 mortgage on it , the mortgage is in joint names we have one girl aged 10 years i know live in rented property with my daughter , my ex lives in the marital home , it is up for sale…
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Revised mortgage offer with Nationwide taking for ever due to middle name mispelt
Hi, 3 months ago , we decided to sell our house as we are moving abroad. We found a buyer fairly quickly ( a first-time buyer). The whole legal process started and I believed the buyer's mortgage was agreed in principle. (Mortgage from Nationwide) During the survey , they found some rising damp and the whole thing delayed…
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Poor Credit Morgage
Hi, I was hoping for some advise in regards to a morgage. Me and my partner are hoping to move house soon, we are currently renting but would love to buy. In the current climate do you think it would be possible for us to get a mortgage based on the details below: Me: Poor credit (No defaults or CCJ, but missed payments…
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Soon to go on maternity leave - smp only - large halifax mortgage and stressing out
Hi. I've had a search of the site, but can't find an answer...so thought I'd write my first post! The facts: I am pregnant with my second child, due in October. My salary take home atm is 1700, my husband's 1200. I only receive SMP, and with cuts and avings here and there, the fact is my mortgage is massive, and I can't…
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How do I stand on redundancy?
I have found my answer,but don't know how to delete the thread. Thanks.
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Deposit a gift?
Hi all, My boyfriend and I are in the process of buying a house and the solicitors documents recently arrived. We are a bit unsure how to fill them in as I am paying the deposit, but my name is not going to be on the mortgage. We mentioned I was paying the deposit when setting up the mortgage and nothing was said. I am…
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Financing an extension
Hello, we are about to move house. We have a 50% LTV for the new purchase. Once we move in, we want to extend the property, but it will take months to sort out architects, planning permission and builders. We need around £50k to pay for the work. If we borrow this now, it will give an LTV of 75%. Should we borrow the money…
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Mortgage clauses
I am buying a property from a family member who wants to put a couple of clauses in the sale being that i cant sell the house within 5 years and i cant take any additional borrowing. I was going to get a mortgage with Nationwide who have come back and said they will not allow any clauses. So my question is, do you know of…
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Low Valuation - help!
Deleted by the op
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royal london endowment policy
Has anyone had any dealings with Royal London and their endowment policy payouts. Perhaps I am being unreasonable but after paying in £10k over 16 years and receiving under £14k in return I was a little disappointed. It was not to settle a mortgage and RL have written to me explaining about the q & a's from their sales…
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Mortgage Help
OH and I had some debt issues back in 2008 that resulted in us having 7 defaults between us, the total debt was over £30K. All but 3 of the defaults are settled and the remaining ones will be fully settled in about a year. The defaults won't be 6 years old till 2014. We are looking at sometime in the next 12months trying…
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Should I overpay now?
I don't seem to be able to find a way to calculate whether it'd be worth overpaying £10,000 on my current mortgage and wonder whether you can help me with it. I have already used my fee-free allowance for overpaying this year, the current balance of my mortgage is £26,000, variable interest 2.49%, 4 years remaining (until…
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MSE News: HSBC launches lowest-ever five-year fixed mortgage
"HSBC has launched a five-year fixed deal with a record low rate amid a time of economic uncertainty..." Read the full story: HSBC launches lowest-ever five-year fixed mortgage
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IF mortgage account bank details
Hi Does anyone know the bank details for IF mortgages, in a position to make regular extra payments in addition to the mortgage, but want to set up SO so that we control it? Not got details at work, so can't ring! TIA
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Remortgage (living abroad)
We're currently living abroad and have a UK property mortgaged with Santander. Outstanding mortgage: 147,000 Value of property: 225,000 Current rate: 4.99% No tie in. It's currently rented out for 750 (only seeing 650 after agent fees) with monthly repayments of approx 1100. I'd like to try and reduce the gap between the…
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Trying to get my head around the finances
I was wondering if someone could help me out with trying to understand what I might be able to do. I have a property that I own with my father. It has about 11 years on the mortgage left and the outstanding balance is about £70,000. I estimated its value to be around £160,000. I am married and my husband and I would like…
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Mortgage - time limit?
[FONT="]This may be a silly question, but if I want to buy a property (with a mortgage), do I need to find a property first or should I first secure a mortgage deal? I suspect the latter. If I get a mortgage approved, how long do I have to find a property before the lender’s terms become invalid? In other words, once a…
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HSBC 2.99% 5yr Fix
Launching on Friday apparently. Hefty £1499 upfront fee and need 40% deposit though.
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Some mortgage adbive please guys
Hi Can anyone offer any advice on poissible best place to look for a new mortgage Heres our situation at the moment Current Lender Mortgage Express Total Outstanding £65K (41K Interest Only & 24K repayment) Fixed Rate Self Cert @ 4.75% - I think - at work at moment but SVR House Value of approx £140K I'm self employed…
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Mortgage likely?
Hi everyone, I own 60% of current home and want to move when I get money from Turkish property sale. Divorced since 2010. My 60% would be roughly 81k My Turkish 50% would be 25k maybe more due to interest as Turkish court has ruled original 50k must be repaid as we were conned. A property around here, South east would be…
