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confused about mortgage repayments!
Hi All Checked my mortgage balance yesterday and I'm shocked and a bit confused! I am on a repayment mortgage at 6.3% - borrowed 121,000 in February 2011. (1st repayment beginning of march) Checked the balance yesterday and it currently stands at £120,364. My repayment is £712 a month and the interest i have paid so far is…
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barclays mortgage - text message - how soon?
hello peeps!! the bf is applying for mortgage in his name only now after trying to get a joint one, our mortgage man sent our application off on weds, and OH has received a text message from Barclays this morning saying "we have recieved your application and we will be in contact shortly" how soon is shortly!?!? we have…
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Mortgage Advice
Hello all, i was hoping that some of you fine people could offer me some advice. My partner took out a mortgage last year under the Government HomeBuy scheme, meaning we only needed to find 5% of our 70% share in the house initially. However, due to the builders selling so many houses to social housing providers, living…
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Renting house - do we have to transfer to buy-to-let mortgage
Hi there - my husband's job has moved overseas for 2/3 years and we therefore need to rent our house. Our mortgage lender (Lloyds) is forcing us to change to a buy-to-let mortgage. This is £400 per month more expensive and will not allow us to return to our current rate. Any advice on avoiding such fees or working around…
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Halifax Mortgage application
Hello We have applied for a mortgage with Halifax. We are first time buyers. The LTV is 85%. last week me and my partner got a mortgage promise and were told what we could borrow. We were credit scored and asked to bring 3 recent pay slips for when we make the full application. 1 week later we have found a house and had…
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ge money and brightstar through mortgage force
hi there ive been looking through this forum as i'm in a pending mortgage application through mortgage force who are using brightstar, and then ge money. i am self employed and have some smaller defaults from a few years back (mobile phones) all have been satisfied and paid off in full, so think ge is my only option. i am…
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help needed - t mobile default and mortgage application
Hi all and thanks for reading! I don't know if this is in the right place but please let me know if not. My partner and I have just applied for a mortgage with the Halifax and got a decision in principle but I have just checked my credit file and have £35 unsettled for 2 months on my file from t mobile. I cancelled my…
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Mortgage company asking for contract of employment as...
...we have been provisionaly approved in principle, however my wife is due to start a new job in November. The mortgage company state this is not an issue, however require her new employer to submit the contract of employment. The employer is a small business with just two employees, and as they have not had to do this…
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2 Decisions in principle?
Hi, have applied for a decision in principle from Nationwide for a mortgage. We are having to go through the underwriter for approval as my wife is on maternity leave, and the application is more complex than normal. The mortgage we are applying for is the 4 year "flexclusive" at 4.29%. House purchase price is likely…
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five year interest-only mortgage ending in dec 2012: worst case scenarios?
Hi all, I'm fishing for worst and best case scenarios here. I'd basically like to know what to expect in case worst comes to worst, so I can start preparing now. Any thoughts and comments welcome! Many thanks in advance. The situation: Bought at the top of the market in 2007 on a *ridiculous* 5 year interest-only mortgage.…
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How to find my mortgage lender by name and d.o.b.?
Hello. Desperately trying to find the mortgage lender since my ex-wife was dealing with it and after divorce I have no access to any documents although my name is still on the mortgage agreement. Is there any way I can find the lender by name and date of birth? Many thanks in advance. Elliott
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Repossession
I won't bore you with details at present, though please ask, but I am being charged 4.9% on a £100,000 mortgage which could be paid off in six years. The bank, when I was in a better place said, "please come back to us, as that is a rubbish rate." The monthly payments are £950 pm.
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Dormant policy - Joint names - How to claim
Hi there, I wonder if anyone can help. I'm in the process of trying to claim the contents of a dormant cgu policy. The policy is in joint names (mine and ex-partners). I haven't had any contact with my ex-partner since 1996 and have no idea where he is or even if he's alive. 1st question - Will the company (now aviva) pay…
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Aip?
Dont want to appear thick but is an AIP, agreed in principle?
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First Time Buyer Advise
Hello everyone, I have been reading this forum with much interest over the past week or so and have decided to setup an account to pick your very knowledgable brains if I may please! Me and my girlfriend having been thinking about our futures of recent and in particular getting on to property ladder. Property has always…
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Getting a mortgage with tax credits?
I'm living in a rented property at the moment but want to buy my own house. My income is low as I only work 16 hours a week, I also receive child benefit, child maintenance payments and child and working tax credits. I've spoken to a mortgage advisor (not sure if this is the right thing to do these days) and he should be…
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Mortgage or loan - best value?
I need to borrow 23k for a vehicle purchase. I currently have an unmortgaged property and credit history, wages etc are fine. My first stop was my bank (Natwest) who would give me a fairly high interest loan but not do a mortgage small enough. Obviously need to speak to other lenders but not sure which way to go. On such a…
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Interest only v repayments...Help!!
Hiya, I've just joined this site, and it appears to have sooo many knowledgeable people on here. I'm currently on an interest only mortgage (as I couldn't afford my repayments) I can now afford to re pay again, however being on my own, may fall into difficulty again if the intrest rates soar. Basically, I have 2 options.…
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Is a Re-Mortgage with a Charge, possible?
Hi, Sorry for the long post, but I thought all the facts and the current situation would give the most accurate picture for any help. THE PLUSESWe have had an offset mortgage, with Intelligent Finance since 2001 originally at £300,000. With the monthly offset amount close to £2500 a month, now down to £1500 due to interest…
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Nationwide how long from valuation to offer
Hi guys, I am so I patient I just wondered if anyone could tell me how long it took from valuation to offer with nationwide?
