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Paying chunks off your mortgage balance?
Hi people This may seem like a silly question to some but how do i physically pay money off my mortgage? Do i just go into my lender (Halifax) with cash for instance and say please take this off the amount I owe? Will this come straight off the amount I see that I still owe when i check my online banking, or will some of…
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Moving job and getting a mortgage
Hi, Quick question for those that are up on lending criteria: I am leaving my current employer to start with another in c4 weeks. I've been with my current employer c20 months. I've no gaps in my employment from when I started work. Will this affect my ability to obtain mortgage finance? Will the mtg company be satisfied…
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Nat West pulled our mortgage a day before exchange need a new mortgage double quick
Nat West pulled our BTL mortgage at the last minute as our house has a restrictive covenant and apparently they don't "do" restrictive covenants - pity they didn't say that back in November when they offered! Anyway now need a decent BTL mortgage in double quick time. Any suggestions and any suggestions on how to make sure…
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First time buyer needs opinion
Hello Guys looking for some opinion , questions may sound simple n foolish.. :-) I am self-employed since feb 2009. work as a director in my own company my last 3 years personal tax returns are approx 9/10 - 29000 10/11 - 34000 (+ 1k retained profit) 11/12 - 37500 (+ 4k retained profit) 12/13 - Expected 39ish (i will have…
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DIP please......HELP
Hello quick question please....my partner is the main bread winner in the house and he basically earns 4 times my wages but I have got a dip in my name etc he can't as he has a default :( :( just one the mortage company skipton asked how much I pay for child care and I said its my partner who's wages pays all the bills And…
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original MORTGAGE TERMS CHANGED
I have been overpaying my mortgage off for years now - yes it was a missold endowment ... and yes the company paid a goodwill gesture of a couple of thou - never mind that I was recently £8000 shortfall - well guys - I have now received in the post a letter IMPORTANT INFORMATION - NEW MORTGAGE TARIFF OF CHARGES Further to…
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Salary Sacrifice mortgage lender reduce loan
Hi guys.. Just wondering if anyone had heard or had experience in lenders and nhs salary sacrifice. We had our agreement in principle agreed with abbey & loan amount we could borrow. I thought it best today to check with our broker our salary sacrifice that my partner has car.. Laptop and nhs car park £20 a month. Come…
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Getting a remortgage after a default
Hi. I defaulted on a credit card about 6 months ago after agreeing to enter into a debt management plan with Churchwood with my wife. We have now separated and I'm trying to buy her out, but, I cant find any mortgage company who will give me a mortgage! Has anyone had any dealings with any companies who would accept people…
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In house mortgage advisors
Hi I was advised to start a new thread with this so sorry if you've already seen... Please excuse the liberal use of inverted commas in this post!! I have just made an offer on a reposession property, and I was this morning called back by the agent (who also happens to be the agency's mortgage advisor. Bit of a conflict of…
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Broker warns Bank of Ireland mortgage offer could cost borrowers thousands?
Hi guys I am using postoffice (BoI) mortgage for my new home which will be completing this week. I am going for 75%LTV fixed 2.99% for 5 years as i couldn't find any better deals elsewhere. But today i found some broker advising to stay away from BoI but as far as i understand he is talking about Early Repayment Penalty…
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how far can it go
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Am I being too optimistic?
I've got a lifetime tracker mortgage with HSBC since 2007 - rate around .5% above base rate. I married last year and now we want to get out of the one bed flat and get a house. My credit history isn't bad apart from one incident of helping my mum out (grrrrrrr!) who missed payments in Oct & Nov 2006, July 2007 and then she…
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6 month wait for mortgage?
Hello all, advice needed. My wife and I moved into our own property in December which we bought outright. I phoned my bank (Halifax) to discuss booking an appointment to arrange a re-mortgage on the property to start doing buidling works, but was told due to money laundering laws I have to live here for 6 months! Does…
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Bank of Ireland & SVR
Hi all So I am with BOI on their SVR mortgage. I am almost finished doing up my flat after the longest 3 years of my life. While I like my flat I need to be free of it so am looking to either rent it or sell it. Properties in my street just dont seem to be selling and I dont think its to do with them properties being over…
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12 mths accounts for ltd company, Home mortgage possible with 50%deposit??
Please Advise if you can, My husband (51yrs) who after many many years being an employed skilled tradesman. Started his own successful limited company, And has a very healthy income ..also has an accountant who does all books,wage slips, paying limited wage for him and myself as his secretary.... We foolishly made an offer…
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Partially settled defaults and mortgage
Hello, Just after a bit of advice. Very brief summary - was in a debt management plan (debts accrued when I was young and irresponsible) since 2007. Debt totalled around £18,000. Paid this down to £9,000 and was in a position to offer partial settlements this month. Have agreed and paid 75% settlements to my creditors so…
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APR rate
How much attention should I give to the APR rate when taking out a mortgage as the SVR is liable to change therefore the APR rate will change as well. Looking at mortgages with an APR rate of 4.1 and 4.5.
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If you die with a mortgage and no life insurance...
Just an inquiry but can anyone tell me please what happens if a parent dies with a mortgage [ interest only ] and no life insurance? Does the property and mortgage go to the children? ... and they continue to pay until the mortgage term is finished?
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Did i make a mistake ? 58k only...Natwest
Just wondered guys , i looked on my banks mortgage pages , just out of curiosity as it might be a few months till i would apply.......last November or October i did the `how much could i borrow tool` , i earn 26500 p/a and have mimimum outgoings as we are live in carers for a close relative , it came back with £104k I did…
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95% LTV mortgages for first time buyers
Do they exist? If so who with? Thanks :)
