-
Mis - Sold Endowment
Hi , Can anyone help ? I am currently sitting with a substantial shortfall in my mortgage endowment Sold to me through My Lender. A friend of mine suggest I can try and reclaim this back as I have been miss-sold or wrongly advised. Is this true and if so how can I go about it..Thanks
-
Yorkshire Building Society
Rang the Yorkshire mortgage line this morning to ask a few tentative questions. Do you lend to council right to buy - NO, As a married person would you lend to one applicant due to the spouse poor credit record - NO. Anyone any ideas why?
-
Fixed rate/ trading up?
Hi all, Does anyone know if there is any way to trade up on properties if you are tied in to a fixed rate mortgage on the one you currently have? I assumed that because you're needing to borrow more money (for a more expensive property) you'd need to scrap the mortgage you have and get a different one. In that case, you'd…
-
Mortgage Advice
Looking for some advice - aren't we all !! Dipping my toes as a 1st time buyer. Tired of renting. Looking to buy a 1 bedroom flat in Edinburgh. Maximum House Price £90,000 - £100,000. Deposit £50,000 Looking really for 5yr fixed rate deals. Will be overpaying about £50 - £100 per month. Maybe pay lump sum after a few years…
-
Santander or First Direct ?
Hi All Looking to get an offset mortgage soon and been reading some bad reviews about Santander, messing up DBs, terrible when you ring them etc. ANyone got either ? Cheers
-
help
This might ]ound stupid but can someone explain remortgaging
-
Experian/Equifax/Callcredit
Hi all, Just a quick question for you folks maybe a bit further down the line than myself - within the next 6 months we'll have enough deposit saved to apply for a mortgage and buy a house. It's been a long process of eliminating debt, settling accounts etc and I've had Equifax on my internet favourites bar for what seems…
-
New mortgage deal halifax
Hi My partner and I bought our first house in June 2012 on a two year fixed rate with Halifax, so we will be looking for a new fixed rate deal around May/June 2014. My question is if choose to switch to a new fixed rate, will Halifax go through the affordability process etc again? Or will they just apply a new rate and…
-
House Purchase - PLEASE HELP
Hi, Accepted an offer on my property of £97k (it's worth approx. £120k, in present state and financial climate) Put an offer down on another property of £80k which has been accepted. To clear my outstanding mortgage, I am looking at £88k (took it out 10yrs ago when my house was valued at £150k). I would like to transfer…
-
Chance of a First Direct Mortgage...?
Hi folks, Just wanted to get people's thoughts and experiences First Direct's attitude towards mortgage lending and how picky they are with applications. I'm thinking of buying another house fairly soon - I originally planned to rent and wait until next year before buying again due to uncertainty over where our office is…
-
BTL Mortgage - Help
Hi All, Currently in the process of applying for a BTL mortgage, AIPreceived and valuation all booked in for next week well until the survey calledme to cancel? Tried to speak to by broker about this but they are away and I can't speakto principality as don’t have any reference numbers. Does this mean they have cancelled…
-
changing from interest only mortgage.
My youngest son has an interest only mortgage on his flat.I believe he has around 68 years left on the lease. He would like to come off the IO mortgage however I do not know where to point him for advice on where or indeed if he would be able to obtain the repayment type that we had for so many years as I understand the…
-
Overpay mortgage or pay off credit card?
Hi :) Not sure if I'm on the right forum but here goes..... I've been locked into a mortgage with the Bank of Ireland since 2009 when I bought a property, the fixed term comes to an end in June 2014 and I'm hoping to change to a better rate (currently 4.5%). By June I will have £137,500 left to pay off which makes it 71%…
-
Low property valuation
I have a Bank of Scotland mortgage. I am stuck with it because my income is now not sufficient for anyone else to offer me enough money. The Bank of Scotland valued my property at about £40,000 less than a local estate agent. In order to have it revalued, I had to pay £100 but wasn't allowed to use a local estate agency,…
-
Landlord Mortgage
My Q's are on Mortgage & Home Insurance - These are my circumstances ... My husband and I live overseas and still have our home in the UK. Our house has a separate 'granny annexe' on the drive (a 2 Flr, 2 bed cottage that we have completely renovated). My parents rent this 'annexe' from us and look after our house whilst…
-
Mortgage After DMP
I am just about to apply for a DMP with either Stepchange or Payplan, however before I take this massive leap I just want to know, will I never be able to get a mortgage in the future from having a DMP? And will the defualt notice last on my credit file forever or just until DMP is paid off??
-
Mortgage Broker Wanted - Manchester M33 Postcode
HI, I,am after using the services of a mortgage broker adviser to apply for a mortgage for a property. Any suggestions or recommends would be greatly appreciated. Many thanks in advance Alan Higham
-
Switching to HSBC variable or a terrible idea?
Would you do it to save fees? Situation: HSBC 5 year fixed to end june 2013. Not a good deal! Will have Paid: 139,000 of 322, 000 (100k in original deposit, 40k in repayments) Current payments: £1375 a month, interest and repayment Mortgage left in June 2014: 183,000 Current value of property: 600,000, bought in 2006…
-
Halifax special offers
Morning all! Just looking at the Halifax mortgage special offers. The special offers page says there are currently three special offers: 1) First time buyers, £500 cashback 2) Existing Halifax banking account holders, £150 3) There is also a £100 cashback for moving your existing bank account to Halifax I can't see…
-
Advice Please Mortgage Advisor Forged Our Signatures
Hi I have written and complained to Natwest who we have our mortgage with, we use to have personal and business accounts. We were persuaded to also move our mortgage as well from the Halifax as we were loyal existing customers. We also had a loans with the Alliance and Leicester plus a credit card. We were advised to…
