-
Virgin One Account - Not 24hrs?
We have been with Virgin One since 2001 and sadly, the services are getting worse and worse each year, but although we have looked into changing accounts many times, the jump is very hard to do without ending up out of pocket, so for the time being we are stuck with this greedy shower of sh**. We don't have much cause to…
-
Self-employed - mortgage
We run our own (successful) business. Last year we took about £72,000 in dividends, and look set to do about the same again this year. However - we can't get a mortgage. We moved abroad (only to the Republic of Ireland, which is part of the EU) in 2007, and returned in 2010. This, apparently, ruined our credit rating…
-
Mortgage dilemma
Hi All long time reader first time poster here goes. i applied for a new mortgage on a property i was purchasing, had no problems was accepted until they came across my girlfriends name on the electoral role at my address she had nothing to do with the property except living there. they then said that because she lived…
-
Scotland options -- need help
Hi, need some advice I am a long time lurker first time poster so Bare with me: 1) We have been looking at buying a home as we rent privately. 2) Our Flatmate and bestman has decided to come in on the deal. He has very good credit whereas we are paper rich we had a run in a while ago with our credit and its not suitable…
-
Northern rock mortgage application
Hi, I have quite a long winded dilemma, but i'll try to keep it short. I'm really hoping someone can offer some advice. We recieved a DIP from northern rock on 10th June for a 70% mortgage. The full application was submitted the next day, and the valuation took place on the 19th June. On 29th June the mortgage advisor told…
-
Estate Agent Typical Fees
evening all, Ive read on this site on several posts that you should try to get Estate agents down to 1% fees and ideally no lock in period when selling your home. so far ive had quotes from Connells of £3000 flat fee and and a quotes for £2500 from Taylors estate agents. Both companies stated they dont do a percentage fee…
-
Mortgage + Company car allowance
Hi, We're looking to buy a house and I've recently had a promotion which includes a yearly car allowance of £5k. Can this be used to secure a mortgage? i.e. if my salary was £10,000 per year, with a £5,000 car allowance, could I get a quote based on a salary of £15,000? Thanks Peter
-
Shared Equity Mortgage help (Bovis Jumpstart)
Hi guys, Hoping someone can help de-confuse me please... My fiancee and I bought a new property from Bovis in September 2008. We paid £195,000 and bought it with a Jumpstart shared equity scheme, where the builder contributes 25% of the property value as a deposit (effectively). For the first 5 years you pay them nothing,…
-
Surprisingly easy mortgage application
Im buying a new build SO property (well aware of risk, shortcomings of scheme etc etc but location is perfect, flat is huge and it has a private terrace with allocated secure parking) 45% share of a £249k property £112k share and i am putting down 20% of the share as a deposit Application in principle over the phone with…
-
endowment dates differ
I took out a mortgage with the Leeds Permanent Building Society (now Halifax) interest only and an endowment with Norwich Union (now Aviva) on 01/11/1991. I recently noticed that the mortgage ends 15/11/2015 and the endowment ends 15/11/2016 as I signed for these at the same time surely they should end at the same time. I…
-
Easiest way to make overpayments on a Barclays/Woolwich mortgage?
So me and OH have a mortgage with the Woolwich/Barclays which came with a current account we will never use! I set up the internet banking with the sole intention of using the current account to easily make over payments to the mortgage but after phoning the internet help desk and being told to go into the branch who could…
-
Non-domestic property mortgage?
Hi folks, Apologies if this is in the wrong forum and for sounding like a NOOB... I'm trying to find out if it's possible to get something like a mortgage on a non-domestic property for sale at auction by a local estate agents? It's a workshop/storage building, but it will be for a hobby and not run as a business. I've…
-
Late payment after mortgage in principal
Hi, Really worried and hope someone can advise. I got a mortgage in principal with Halifax yesterday and putting full application on Tuesday. Post has arrived today and have received an arrears letter from isme catalogue to tell me I have missed last months payment of 5.00!! Have just rang up and cleared full balance of…
-
Mortgage advice
Hi there, I have mortgage with Halifax- 2 product in exact. They both tracker- First product is currently at 3.54% and will go up to 3.99% in November which is halifax standard variable rate. Second product is currently at 1.39% and life time tracker. - It will go up only when bank of england rate goes up. Total loan is…
-
Remortgage of leasehold flat - declaring resolved dispute with landlord
Just working slowly through the remortgage questionnaire for a new lender this morning. It asks for details of unresolved disputes with the landlord of the property. If a dispute is legally resolved but there's a chance of the landlord appealing, should I mention this? All ground rent payments and service charge payments…
-
Redemption fees
Hello I wonder if anyone can help me on this one. I am searching for a new mortgage as my current tracker ends in October with Santander. I have been working out interest rates with another lender etc and looks like I will be going to HSBC on a lifetime tracker at 2.99% there fees are £499 booking only, no survey fee, no…
-
Countrywide CHAOS
Okay, so where first time buyers buying a property for £38,000. Cheap i know, but nothing structurally wrong. Before we made an offer at the estate agents we where told we would have to see a Countrywide mortgage advisor. Low and behold, we fell into the trap, thinking that he would sort everything out for us. First of all…
-
aviva endowment help
Hi, I know I should have done something before now (circumstances included family/financial made it difficult too) Basically our 24k mortgage finishes end of next year 2013. It is served by 2 endowments took out with Norwich (now Aviva) . Both are different. The early one is with profits, the later one after we moved here…
-
Halifax Online Mortgage Promise
Anyone have experience of using the Halifax Online Mortgage Promise?
-
Builder's Loan - Risks / Rewards?
Hey all, My partner and I are looking to buy our first home. We ideally want a small house, 2 bedrooms, parking etc, but unfortunately we live in a rather expensive area; Stratford-upon-Avon (and would rather not relocate since we both work close by and the surrounding areas aren't much cheaper). We've managed to get…