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Payment holiday
First off all hello everybody . Today i rang my mortgage provider (Nationwide) to enquire about a mortgage holiday as i have £10000 on credit cards.I pay £1365 a month mortgage repayments . If i could stop the mortgage for about nine months i could clear this easily . The nationwide told me debt consolidation does not meet…
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Instant re-mortgage lenders
Just purchased our own home outright but would like to re-mortgage immediatly to start work on the house. We live in Hornchurch, essex and was wondering if anyone knew of any Instant re-mortgage lenders in the surrounding area, so we can make enquiries? thanks
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Mortgage deposit
Is it true that since January lenders are now asking for a 15% deposit for a new mortgage as opposed to the 10% required last year? This is for those with existing mortgages not first time buyers.
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Help regarding larger mortgage
I was wondering whether anyone could help me with a quesiton on getting a larger mortgage: Current situation is we have a repayment mortgage with £138000 with 16 years remaining with C and G on 2% above BofE rate We would like to move into a larger property of circa 270k. We will have approx 15% deposit to move with. Can…
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Poor credit rating but mortgage in my wife's name...
Hi There I have a 'not-great' credit rating, Its currently only 'Fair - 833' on Experian with 1 late payment on a credit card of only a few days (so under 30 days). Our mortgage is only in my wife's name (who's credit rating is good) and the mortgage is pretty small £15k on a £170k house. We're now thinking of moving to…
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Mortgage Issue
Hello I am not sure where in the forums this exactly fits in. In 2008 I purchase my first property and I put it into mine and my brothers names. I paid the deposit however a quite sizable amount (circa 100k). Unfortunately i am really concerned about things as my brother has proved to be quite bad with money and even had a…
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First time remortgaging (HELP)
intial repayment mortgage £106,245 fixed 4.99% for 2 years then, S.V.R which is now 4.74%, obviously think ill be saving 0.25% without doing anything at all. What do i owe on my mortgage after two years? What deals available to me with similar repayment mortgage over 23 years? Fixed term ends in april 2013 Any thoughts…
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Mortgage after endowment
Hello, I hope this hasn't been answered previously. I am in a dilemma whereby my mortgage will end in 2 months time, which was an endowment for 25 years and will be paid off in full. I am 53 years old and my wife is 55 years old and we would like to sell our current property, we are both in full-time employment and would…
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Outstanding loan or credit card, next mortgage?
Hi all My 3yr car PCP is up next January so I have a little time to plan ahead. At the end of the deal I'll have an outstanding balance where my options will include - * Trade in and start again (whatever equity goes against the next car) * Sell the car privately, clear the loan, keep the difference * Pay off the final…
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Mortgage Query - BTL + Residential
Any advice greatly appreciated.... Me and my partner both have our own properties with substantial equity in both. Mine is currently on a buy to let mortgage and rented out via an agency. We are now looking to buy a new property together and wondering whether we can rent out his property too via a buy to let mortgage and…
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Childcare elements part of mortage
Can you use your childcare element of tax credits for ur mortage application ? Thanks
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Transfer of Title help
Hi, My husband and I have been separated for a year now. We have mortgage together and he has been paying it himself for the past year. I do not want to be on the mortgage. We have been advised by Natwest he will have to re-apply in his sole name. In the event that the bank decide he cannot afford it on his own (despite…
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Offer accepted on house and land package
Hi all I've had an offer accepted on a combined house and land package, both of which have separate deed titles. How would I go about mortgaging them on one mortgage? I know that the land and house can be combined by the land registry upon transfer but that means that the lender would have to lend with that in mind. My…
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playing games
my ex went on my mortgage 3 hours away from where he worked. he could only stay at weekends and two months later wanted to sell up or force me to move and rent out. on top of this he was horrible to me. dumping me and telling me it was up to us not me. after it being my family home i was upset to loose it. id taken it on…
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About to look for new mortgage..
Hi All I'm about to look for a new mortgage for a property I'm hoping of buying for £165k. I have a 10% deposit. I'm also the joint owner of a flat which is rented out to a tenant, and which has a BTL mortgage. My 50% of the rental income is £225, and my 50% of the (interest only) BTL mortgage is £78. Is there anything in…
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Advice please
Myself and my partner both own our houses outright. Both terraced and worth around £65k. We've found a semi we want to move in to and our offer of £155k has been accepted. We're looking at selling both properties and getting a small mortgage on the semi. When one of the houses sells we can start the process, put down a…
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Getting a mortgage with a settled CCJ
£££££££££££
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Please Help, Reducing Mortgage
Hi i am new to this so hope this is in the right section. I have a mortgage of £100,000 my house is worth £160,000 - £170,000. I have slipped behind on my repayments as im on a zero hours contract at work. I ve notified the mortgage company that i forsaw a problem in early december. I managed to pay that mortgage with help…
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BTL advice please?
Hi I'm new here so please forgive any errors! My husband and I have recently noticed that there is new development near to us that we would love to move to! As my hubby is self employed and doesn't have a pension he would love to rent out our current property and get a new mortgage. I need some help with figures etc to see…
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Interest Only Mortgage Help for single mum Please
I currently have an interest only mortgage (owe £79,000) at a rate of 3.39%. overal length left to run = 17 years, deal runs out in November 2015. I have been on interest only now for 2 years, having paid £15,000 over that time so original mortgage was £93,000. I am able to save around £12K per year at least for the next 2…
