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Best 2 year fixed deal...pls help.
Morning all, Just after some advice as not 100% on the actual deals as such. We are looking to re mortage as our Halifax deal has come to an end, the info is: Amount to remortage - £139,000 Term Over - 20 years Mortage Term - 2 or 3 years. We have been offered with Barclays 2 year fixed 2.89% with a fee of £999 - Monthly…
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Right to buy council property
My daughter has a £50,000 discount on purchase. Do building societies look on this as equity and thus make available a 100% mortgage?
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Awkward, but by no means uncommon problem!!
Any advice greatly received! Me and my partner would like to buy a house in approx 2-3 years, depending on how much we can save / his debts get paid off. Say, 2015 for arguments sake. there are two problems. 1. he will still have a default on his credit record that wont drop off until 2017, debt will be settled within the…
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No Guarantor 100% Mortgages
Does anyone know of any lenders offering 100% (or even 95%) mortgages at present, without the need for a guarantor? If not then does anyone plan to offer such a product in the near future? I have a good credit rating and have been self employed for 2 years, with accounts etc. I live in Nottingham. Many Thanks! :¬) Johnny J
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Transferring house to husband
I have a flat in my name and a BTL mortgage, the flat is worth c £220k and there is £160k outstanding on the mortgage. It's almost self sufficient with a shortfall of about £50 a month after expenses (I'm an accidental landlord after house prices etc etc over the last couple of years). I would like this house to be in my…
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Old mortgage problems with pension
Hello folks We took out a mortgage with Abbey National in 1992 and paid this mortgage off in 1998 , we had a flood and lost all our paper work relating to this mortgage. when i took this mortgage out i also took out a pension plan , PPI and payment protection. to try and now track these documents down i have contacted…
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Story & advice - never joint exchange/complete!
Wanted to share to get the stress out of my system as much as anything! We accepted an offer on our flat in mid-April. We had worried that we wouldn't get any interest, but this was after the flat had been on the market for 3 days! The buyer let us know that she couldn't move until July for various reasons. July came and…
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Halifax mistake costing me.
Hi to you all. I have read a lot of great posts and taken onboard a lot of advise through this site but have now run into a little issue and wanted to see if anyone could help. I like a few people had an overcharge amount on my mortgage deal a few years back and did not bother taking it back and it was held as a credit…
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Advice on mortgage mis-selling
My elderly mother has reached out for help to me as she has got herself into a bit of a financial mess. In 2006 she took out a 5 year interest only mortgage for £68k. She appears to have done this to consolidate two loans that she had taken previously. However she was 69 at the time and retired with only a pension income…
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Obtaining a Second mortgage
Hi, We currently have a £67k repayment mortgage of 1.69% with First Direct on our house in the South. We are hoping to purchase a home in the North. For this we need an additional mortgage of £200,000, we want this to be interest only. The house in the North needs working doing to it. Our plan is once this is complete, to…
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mortgage with debt help please
Hi all This is my first post i have a quick question. I'am currently looking to buy a house for around 90k i have a 10k deposit which has to be for the deposit but also have 10k of debt my 10k for my deposit can not be used to pay off my debt( see my problem) i currently earn 34k a year and my wife about 6k. Q is there…
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Santander existing customer deals... Credit check?
We have just been offered new deal of a 3 year fix at 4.49 which will save us around £100 a month. He said it was all set up and that my signature could be accepted over the phone so I do not need to sign anything. Does this mean we are guaranteed this and there won't be any credit checks as the mortgage s already in…
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Advice needed - temporary address when applying for a mortgage
Hi All, I've decided to move house, at present I'm living in a reasonably nice flat, should have a bit (but not much) of equity, and am saving hard to get a good 20-25% deposit on my next house. I've got an estate agent coming round tomorrow to value my property, assuming that the value will be somewhere near what I want,…
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Mortgage\2nd Charge advice
Hi I'm after some advice if possible regarding a Mortgage and 2nd charge. We bought our first house back in 2008 -a new build, priced at £145,000. It was on the expensive side - however the attraction was that the developer was offering to pay the deposit, all fees, stamp duty, and the house was fully carpeted with white…
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Deposit transfer to the solicitor
Hi, we are trying to figure out how to transfer the deposit to the solicitor's b/a. As the replies we got from our solicitor turned out to be very "concise" at this stage (long story), we need some advice on this. The deposit should be 10% of the offering price. Questions are mainly related to the bank charges - assuming…
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Question about transfering an existing mortgage
We are currently looking into moving but have 1 year left on our 4 year fixed mortgage, if we were to transfer our current mortgage to the new house would our current rate be fixed for 1 year or would it revert back to the original 4 years? Thanks in advance
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5 years into an interest only and not really saved yet
Hi everyone I'm now 5 years into my interest only mortgage, and I dont really have a repayment plan funded. I did have a cash pile, but its been "lent" to my inlaws The last of the (g/fs) none mortgage debts will be cleared in the next few months, and then at current rates of debt repayment, the mortgage will be paid off…
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Remortgage and CC debts
Good Afternoon Apologies if this is a simple question already posted but I did search but couldn't find it. Hubby and I are now on SVR with Santander following the end of our Fixed Rate in July 2011. Following notification of the increase in the SVR, we are thinking about moving our mortgage onto one of the lower FR deals…
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Flat being repossesed
Hello all, I was widowed in 2010 and since then I have gotten myself into fiancial trouble. I have a part-time job but the income from that does not cover the bills/mortgage, etc (and no the mortgage insurance policy did not cover death). Its gotten so bad now that the bank (Halifax) have given me a court date to repossess…
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Mortgage Application with a contract job
Hello - I hope this is the right place for this question. My boyfriend and I currently live with family whilst saving up a deposit for our first home. My boyfriend has a good stable (as any) job, has been there a couple of years. I am on a fixed term contract with a well known public sector employee, which ends in a couple…
