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Mortgages & endowments

Archives for August 2012

Chances of a mortage?
Sorry guys I know you probably have loads of these each day, but would really appreciate all the help! :) In a nutshell I would like to move out into a one bedroom apartment, I'm 20, currently live with my parents and work at a fast food restaurant. I'd like to know if anyone would entertain the idea of giving me a…
current BTL rates?
Could anyone, particularly any brokers lurking give me a rough idea of the current rates available for a 25% and 40% LTV for BTLs? I'm fed up of only seeing the small minority available with their massive % based fees. An idea of the charges would also be useful. Many thanks in advance!
Land registry transfer of deeds after a death
My husband and daughter were tenants in common on a mortage for 5 years, Our daugher has fairly recently died and we have now paid off the mortgage. Halifax have put the house in my husbands name for their purposes but have not yet done a transfer of the deeds to husbands name only. We are now hoping to let the house…
Disclosure of Incentives
Hello Has anyone had any experience of getting their disclosure of incentives form approved by their lender? My solicitor is trying to get Nationwide to put in writing that they are happy with the disclosure form and the first request was made on the 3rd August. Is there anything I can do or does anyone know how long this…
Advice to increase amount i can borrow from a mortgage
Hi there, can anyone advise me of a way to increase the amount i can borrow for a mortgage? IE we are in our mid 40's can we get an 35 year mortgage or well anyway to increase it? the annoying bit is we can afford it but my husbands overtime and personal allowence from a family member cant be included can they? Basically…
Paratus AMC Bank A/C details needed: long shot!
Hi, I need to make a mortgage payment, but I've mislaid a paying in book. I know it's a long shot, but does anyone have the appropriate Paratus AMC Sort Code and Account Number so I can make a Barclays counter payment? Thanks for reading. Graeme :-)
complicated income, would i get a mortgage
, i own my house outright, my husband died, now looking to move. would need a 25% LTV. Have seen a new build which has not been released yet but as long as the price is right , its mine. but this is where it gets complicated. I work part time, so have that income, plus a small private pension, and then bereavement…
Would I be able to get a mortgage?
:)ANY generalised advice would be great as I know NOTHING about mortgages. This is my first step to even contemplating getting one. The scenario is me and my boyfriend would apply for a joint mortgage on the shared ownership scheme. Together we could based on our salaries obtain £50k. We would apply in two years as we both…
building extension
Hi, can anyone help? If you are extending you house do you have to tell your mortgage people, or can you just go ahead if you have the planning permission
Mortgage Offer Received - Want to Switch Properties (through no fault of my own)
I placed an offer on a property recently which was accepted. Due to the fiasco with the bank systems going down, the mortgage took ages but was finally approved a few weeks ago. All this time, my solicitor hadn’t received the contracts but has now discovered that the owner of the property for sale has not owned it for 6…
Should I pursue this with EMCAS?
Hi I have been bugged by EMCAS regarding making a claim against a miss sold endowment. In 1997 I had a meeting with a rep of Canada Life who sold me a savings endowment with the intention of having a lump sum after 18 years to put my son through UNI etc. Of course the projections were great but have seriously not met the…
Mortgage application turn around times
Hello Is there anyway to compare all the leading lenders and their turnaround times when applying for a mortgage? Thanks
Buy a new property or shall I pay towards existing mortgage?
Hi all, I have an an existing mortgage of £220,000 on a 3 bed house and the house value is approximately £260,000. My fixed terms has ended about two years ago and since than I have been paying low interest only monthly hence I have managed to save about £20k. My question is, shall I pay this savings towards my existing…
What are my options regarding mortgage and hopeful second property
Hi there, I've been lurking on this site for quite a number of years and have taken on loads of advice that has been given to other posters regarding money saving, but now need some advice on the possible options I have. My wife and I have a mortgage with about £43,000 outstanding. The property is worth approx £230,000. We…
Complicated mortgage
.................
How much can we borrow?
Hello everyone at the MSE forums, long time lurker, 1st time poster! I'm considering buying a house with my sister. We plan to buy a property with enough room for the both of us and a lodger (maybe two lodgers). About me: I'm currently a home owner and have round 10k in equity. (bought 4 yrs ago) I have no…
changing people on mortgage and deeds
hello, can anyone advise me on the rough costs of taking 1 person off a joint mortgage and replacing them with someone ( getting rid of old housemate and replacing with girlfriend). obviosuly i need to start a new mortgage with the bank but just wondering the estimated cost or what i will need through the solicitor side to…
Living In Own Very Cheap BTL And Want To Move
I live with my family in my own house that was previously let out and still has a BTL mortgage. Family size has increased with the arrival of 2 wee ones and i would really like to move to a slightly larger property that we could settle in long term. The thing is, current BTL interest only mortgage is nearly 7 years old and…
First time buyer with existing debt...
My partner and I are looking to buy a house together within the next few months - we're both first time buyers - have a joint income of 40,000 - approx 12% deposit. Neither of us have had defaults/late payments etc however I will still have a debt of about 3000 when we eventually apply (from a personal loan I took out a…
Forcing TOE (ex partner)??
Hi All, I have an interest only consent to let mortgage with my ex partner for a flat which is currently let. There is no equity in the house and the mortgage is for slightly more than 100% of value of the house (the value has decreased over the past few years). I have and always have pay the mortgage, insurance and bills…

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Mortgages & endowments

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