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Ex husband entitled to half equity
Hello Just a quick question... My ex husband is currently paying around 15% towards mortgage, which is in negative equity by a substantial amount. If ex was to stop paying and I continued with payments until such time as in equity (around 7 years worth) would I automatically have to share equity with him or is there a part…
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LTV Question
Hi, I purchased my new home in December 2012, purchase price 212k, valuation carried out in August 2012, which gave me a 21% LTV. My main part of Mortgage currently on a 2yr fixed rate expires end of April 2013, question I have, is how long is the 21% LTV valid for, as I believe the LTV to be at 25% as I purchased the…
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Estate Agent left message on my phone meant for venfor?
Hi, My partner and I have been looking at some houses to buy and recently found one we liked but the vendor wanted £130,000. We advised the Estate Agent on Friday that we want to put a bid of £120,000 in on it. Today I received an answerphone message on my phone from the estate agent that said "Hi, this is xxx xxxx from…
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viewing property tomo but no idea of last sold price
Hello i know this might not be a imp factor , however we are viewing a property tomorrow and i was trying to check prices of properties sold in same lane. however i noticed that last sold price for this particular property isnt listed on Land registry/zoopla/right moves would there be a particular reason for this
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Want to "leave" a joint mortgage
This is my original question, posted on the Families board, which will give some background. https://forums.moneysavingexpert.com/discussion/4462053 The girl has today been to the CAB who, she felt, were little help. They have basically told her that she is stuck. The man has told her to write to her ex, and ask him to…
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Can you take out a loan to fund a deposit?
I'm hoping that in a few months time my husband can be named on our mortgage. It's just in my name at the moment so a joint mortgage would mean we could borrow more money and possibly move. However if our house sold and the little equity we have funds only the fees, could we take out a loan to fund the deposit? It would be…
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NRAM Breached DPA
Hi I received a letter from NRAM at the weekend informing me that a Mortgage statement, requested by me, was sent to another NRAM customer by error. An unacceptable breach of the DPA. In the letter they have said that they will give me £250 if I agree not to take the matter further and there will be no further action taken…
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New Job - New Area - Getting a Mortgage?
Hi, First post, so "please be gentle with me" :o I have been offered a new job in an area which will require relocation. The new job is in a similar industry requiring the same skills as my current position. The salary offered is just slightly less, but the new area is significantly cheaper than where we are now. We have…
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Removing Waiver Premium and Critical illness cover from Endowment
I currently pay £82 ish per month into an Endowment Plan, which matures in 2020, with Friends Life (was Winterthur, and someone else before). The original mortgage was for £43k. I do not have a mortgage now, and have been looking at using the Plan as a savings means. I am aware it is currently on a 'red' alert and will not…
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arrears mortgage co asks if i would like to add to mortgage
Hi i currently owe just less than £500 arrears to my mortgage i am paying this back at £10 extra per month. Now mortgage company BoS has asked if i would like to add this to my mortgage and clear up my arrears, i am currently on jsa and things dont look good in my area re employment. What would you recommend ? Thanks
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would we get a morgage
my partner is working as a teacher on a 1 years fixed post which he has to wait to find out if he will be kept on perm. it seems probable but not certain. i work relief hours. ive had a morg with my ex for almost 12 years with nationwide whilst working in the same job. i was wondering if anyone else out there has been in…
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Mortgage Switch Quandry
Hi folks, I'm in a bit of a quandry and would appreciate some advice on what to do with my mortgage. Current Mortgage: HSBC Lifetime Tracker = 2.69% - £72,000 outstanding House is valued at approx £130,000. Have overpaid since day one, normal monthly payment about £450 ish but I pay £1000. Thinking of switching to…
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Existing Deal Ending Soon - New Deal or ?
Guys, I currently have a mortgage deal with the Halifax fixed at 5.69% which is costing me £700 per month. House value is currently £155k and I have 112k remaining on the mortgage. I intend on putting 8-12k into the mortgage to bring the LTV rate to 65%. I have excellent credit rating and the £700 is more than affordable…
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Ex lives in our marital home - i pay mortgage!
Hi Im hoping someone can give me some advice. I split up with my ex husband and moved out 12 months ago. I rent a 2 bedroom flat and also pay ALL the mortgage on the house. Trouble is he still lives in it and pays nothing for it. The mortgage is a joint mortgage capital and repayment. There is about 18k difference between…
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What are our chances - settled default
Hi everyone, I've spent days looking through his forum and have found it so helpful! My husband and I are seriously considering taking the leap and buying our first home. My husband has one default on his record dating back to 2010 for £480 which was settled in full within 6weeks of finding out about it and has never…
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Equity Buy-in and related questions
Hi, A few months ago my girlfriend and I moved into a house together with me paying all deposit and fees, purely because I was the only one who could afford it. £14k deposit, and about £6k in fees, as I was selling my flat. Now we want to go into things together with my gf paying against the mortgage too. I have called…
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Mobile phone defaults on credit file
Our mortgage is currently in my name only as my husband has defaults on his credit file which prevented him from being able to apply. These come off in may after being on there for 6 years. However, he has a default from t mobile too (£160) which won't come off for 3 years. Does this still mean the bank won't even consider…
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Sorry if this is a silly question asked 100 times before... but
We are about to remortgage, and it's looking likely that we are going to move from a Lloyds tracker, to Britannia's 5 year fix at 2.79%. I've run through and got the quotes etc... the thing is (and I'm sorry if I'm over thinking this) how much do I ask for? It's probably going to take a few weeks to sort out isn't it? By…
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Interest only repayments
Hi, I've a interest only mortgage but trying to pay off a bit of the capital each month. The interest only mortgage is in two parts and I wanted to see if I could get the benefit of the money saving expert forum to tell me which part I should be paying off! This is a selfish request but I hope someone out there can help…
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Does this sound doable?
My husband is starting a new job soon and we would like to be able to relocate to this area ideally at the end of the year/beginning of next year. We have had a valuation of £155-160k on our current property and by the end of the year our mortgage should be down to about £142k. My husbands salary is £45k and I have a self…
