-
2012 SA302 form
Hi, I'm re-mortgaging and the Leeds BS have asked for the last 3 years SA302 forms for my wife. My wife has two jobs, one self employed the other a PAYE job. We have the SA302 forms for 2010 and 2011 but not 2012. My wife has not yet submitted her 2012 self employed tax return (deadline of Jan-13). Am i right in thinking…
-
Skipton Building Society SVR Interest Ceiling
Hello, I am after some help/information on my current mortgage with the Skipton. The mortgage I took out with Skipton in 2004 was a 2 year fixed rate mortgage. The mortgage then reverted to the SVR, which had a ceiling of 3% above the bank of England Base Rate. In March 2010 the Skipton revoked the ceiling and started…
-
second viewings,Post office mortgages,valuations
Anyone dealt with the Post Office in respect of mortgages recently, and if so were they speedy and efficient? Also am having a second viewing on a property tonight (taking my daughters ) and will be hopefully making an offer tomorrow. Trying to look past the 'I have fell in love with this house' and be more practical any…
-
Cheeky £500 off?
We are negotiating on a property and the vendor has come back with an offer of 84,500 after our offer of 83,000 on a 86,000 property. Would I be cheeky in calling back and saying 84,000? I have a feeling of being rude in trying to knock £500 off.
-
re-charges on house
Hi Guys, My daughter and partner are splitting, accrimoniously. I,ve paid off all her CC debts and removed 1 ccj, and 1 charge on the house.in her name. The house is on the market, how does one find out if any more charges are on the house, in her partners name, or even her own, that she may be unaware of. Nothing shows on…
-
Remortgage,sell,second mortgage - no idea!
I am really just looking for a point in the right direction. My husband bought a flat 5 years ago in a joint buy to let mortgage with his mum. He bought the flat for £108,000 with a £15,000 deposit. We have since got married and out grown the flat. We decided (probably slightly naively) to have the flat valued in order to…
-
Remortgage Options
Hi, My partner and I currently have a mortgage with the Halifax and we are on their SVR. Our house is worth approx £215 - £225k and our mortgage balance is £150k, we pay £939 per month. We are considering making overpayments on our mortgage of £500 every month but I have yet to call Halifax to find out if this is possible.…
-
Mortgage dilemma
Bullet points summary:* My wife & I had an offer accepted on a house in December * We received a mortgage offer from Nationwide for a 5 year fix with a 15% deposit * We sold our flat in February and moved into my parents' house * We have been waiting for our sellers to be ready ever since and have been frantically saving…
-
Remortgage with 1 CCJ
I hope someone could give me some advice please. I am looking to remortgage my house in order to get work done, kitchen, new windows, and a few other jobs that need doing. I have 1 CCJ from approx 5 years ago. I was younger and not the most sensible. I also have a Credit Card which I defaulted on, the balance is approx…
-
Alliance Leicester/ Santander
Help! I would appreciate some advice please. Our mortgage is £616 a month and rates are £85, we are due a change of rate. I called the lender and because we missed a couple of payments they will not look at new rates because of this but we are under review daily?! ( My husband was made redundant last year and things were…
-
Advice about buying parents house pls
After hours of googling and no joy, I am hoping someone can give me some advice. My parents have a small mortgage on their house and about 70% equity. Due to problems with their credit, they are unable to remortgage however they are in need of some money. I currently live with them and understand that I can buy the…
-
Santander's 'portable' mortgage product is going nowhere!!
I took out an Santander mortgage last year and was very keen that it was entirely portable as we knew we'd want to move house during the mortgage term. We're buying a new house now and have applied for a top up (a joint mortgage, all completey affordable and my partner's credit rating is excellent) and to 'port' the…
-
Remortgaging Advice.
variable period is coming to an end now this month. Need to remortgage and take out extra 20k for home improvements. Outstanding mortgage is £93000 and house value is £130000. How do i go about it im paying at a rate of 4.99% at the momen and paying £476 atover a period of 35 years repayment plan with halifax. do i get a…
-
Negative Equity
Hi Wondered if anybody can help please? We currently own a property but we are in negative equity, for 3 years we were on interest only mortgage, we have now started repayments on the mortgage. We are looking at relocating to a different area where property prices are cheaper, but still communable to work. How would this…
-
Mortgage break for Mature student
Hi Guys Need your help - would anyone know if a mortgage company would give you a break for 4 years to go back and study f/t to be a teacher or allow you to go to interest only? Thanks x
-
Partial repayment of mortgage
Earlier this year I remortgaged with a new provider to pay for a loft conversion. At that stage I'd already discussed my plans with my neighbour who seemed fine with it. Unfortunately on service of the Party Wall notice, they began to object and it's since turned into an expensive nightmare involving a surveyor. As things…
-
Mortgage Overpayments
Hi I need some advice regarding mortgage over payments. I have been making mortgage over payments for over 3 years on my mortgage. I wanted to understand why my monthly mortgage drops by the same amount every month (about £3.50) I would have thought that as time went by the amount that came off my monthly bill would…
-
Be careful of Equifax
I wanted my £2 report so applied online for that with Experian and Equifax. Experian charged me £2. Equifax charged me £2. Then £6.99 for a service that I didn't request. I think I'm pretty careful when signing up or ticking boxes for things online. So if you apply for your statutory report online make sure you cancel it…
-
Complicated, Electoral Roll
OK bit complex, basically my OH lived in N.I. For 20 years, 10 years at the one address. Obviously he was on the Electoral Roll there. In mid April we moved into a rented house in England, but kept the N.I. House and rented it out. He's not yet changed to the roll here. Is it better to NOT change to the roll here, as it…
-
Using equity to buy second property - many questions!
Hello all, I am a long time reader, first time poster. I need some help as I'm not sure what I am really looking for. I have a flat on a 5 year fix with accord until 2015. I've been given £215K to pay of the mortgage, which will allow me to pay off the mortgage and the 10K odd ERC. So once this is done, I will own my…
