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Can I port a SVR mortgage? (RBS)
Basically, I have a mortgage due to run till October then it reverts to the cheaper SVR. I have looked at new mortages ava, and I (we) will be looking at a rise of around 1.19 between current and a potential new market. As we are on the market aiming to sell asap, port our current deal, what happens if we sell in say Oct,…
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Concerned about lack of savings affecting mortgage
Sorry - please ignore, I've asked for it to be deleted.
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Mortgage rate in the near future? Increasing? or decreasing ?
Are mortgage rates set to increaes? or decrease in the years to come? in the next 2-3 years? (lets say the economy gets more downhill)
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Have mortgage rates increased in the past 1-2 year
Have mortgage rates increased in the past 1-2 years? or stabalised? or gone down?
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Releasing equity on a property? bought 10 years ago? whats the procedure?
If a property was bought 10 years ago, say at £140,000, what is the procedure to 'release' some equity from it? - which i mean you can get some money from it... does it depend on, 1) if the property has risen in value? 2) how much it has risen in value? 3) how much of the mortgage has been paid off? 4) whether interest…
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joint mortgage and OH with no credit history.
my OH has just been turned down for a asda credit card as she has no credit history except for a mobile contract for the last 5 years. (see my post in credit card forum for more info) what im concerned about now is our forthcoming joint mortgage application that we're planing for next may when my current, sole, mortgage…
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Advise on Mortgage
Hi guys, me and the other half found a house where we had a survey done and on the back of that Barclays/Woolwich has offered the full mortage amount. From the survey it has shown that the roof has artifical slates which may contain abestos which has put us off a bit. My question is if we decide not to go ahead with this…
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Purchasing a 2nd property
Think I posted this on the wrong sub section earlier, apologies if you've read it before - so here goes, - we have just sold our buy to let and have raised £120k capital. We would like to purchase a larger family home but keep the home we live in now to let out. Our home is worth approx. £130k - £150k and we owe £60k so…
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1st timers and struggling
Hello. Heres hoping someone can advise us! Myself and my husband are first time buyers. We have found a property and put in an offer. However, hav discovered today, courtesy of my bank Natwest, that due to some late, not missed payments, on credit card accounts we are not eligible for their mortgage. We have a 10% deposit…
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over 50?
Hi guys............I need a mortgage, for a new home.........rented privately for years. I`m 52, whats the chance of me getting a mortgage?? Jim
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Joint Mortgage Application First Time Buyer!
Hi, Just a quick summary of my situation. I have been offered a property on a shared scheme at £102,250. Me and my girlfriend earn between us 34k. We have a 11k deposit ready (that's the good stuff over) Bad stuff begins I have a bad credit score due to these reasons 7 Negative factors The age of your accounts indicates…
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Mortgage Help.
My wife and i have split up and i find myself squatting at my mothers and there is no room for me here really. I have a decent wage, yearly minimum 32k per year although my last p60 was over 45k and the one previous was 37k+. I have a steady job i have been at for 20+ years. Although i have had a few credits accounts over…
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should we move to an ofset
At the moment we been overpaying our mortgage and managed to reduce it down from 100k to 60k over 5 years this past year we have been overpaying £600 per month as on the Halifax standard rate we did a savings review today and between us we have over 60K in ISAs If we move to an offset the 60K would loose the ISA wrapper so…
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Re-mortgage to consolidate debt
After taking time out to qualify as a teacher 6 years ago, I am left with a large amount of credit card debt. I now have a stable job with a good income. However, the monthly payments from credit cards and loans are crippling me. I am paying approx £700 per month (and that is just minimum payment). I have decided to…
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Mortgage agreement in principle
Hi all Just a quick question with regards to an AIP. I received an AIP last week before bidding on a property. I have had an offer accepted on the property and I'm now going to see the broker to tie things up tomorrow and provide my proof of deposit and payslips etc. Is it just a matter of dotting the i's and crossing the…
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Access to Deed - FirstActive said no
Not being funny but arent the deeds mine but kept as a security by my mortgage lender? Phoned First Active today and said I'd like to arrange to see a copy and they said no. They said only way I could get a copy was to go via a solicitor. !!!!!!? I appreciate there may be an admin charge involved but they cant say no, can…
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Joint application - Self employed complications
* We already own a flat. £94k outstanding, last valued at £126k. This will not sell quickly but apparently would rent next week so we would request consent to let from HSBC as the rental will cover the interest by around 250%. HSBC are apparently always happy to grant one year at no cost. * We want to purchase a new house…
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Any suggestions? Looking for Bridging Loan 75% LTV TRULY NON-STATUS
Any ideas where to look or recommend a broker for a truly non-status Bridging Loan at 75% LTV? If anyone has recent experience and can give an indication of the interest rate I should expect to pay that'd be really helpful thank you!!!!
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Endowment policies help please!
Hi, just wondering if anyone has any thought on these endowment policies or could point me in the right direction for advice please. I'll try to keep it brief. My ex-husband and I were sold 3 endowment policies in 1988 (one for my life cover, one for his and a joint one) in order to pay off our mortgage in 2023. Now as we…
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freeholder company possibly in administration and major works been paid for
Hello Everyone, Sorry if this isnt in the right thread I was unsure where to post it. My boyfriend owns our (his!) flat and over a year ago paid around £3000 for major works to fit new windows in the communal areas. These works have never been completed. We are unsure how many of the 33 flats paid for the works but what…