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Mortgages & endowments

Archives for November 2013

Can you add buying fees to a Help to Buy scheme mortgage?
Hello, I've got a meeting set to arrange my mortgage using the help to buy 5% mortgage scheme. It'll be a bit of a struggle paying the £3K+ agency/solicitor and stamp duty fees so I would like to find out the following; 1) Ideally I would like to add this cost to the mortgage, is it possible on this scheme? 2) Would it…
3 year fixed - Yorkshire building society 2.34% 75% LTV
Has anyone come across a better fix rate deal then the yorkshire building society , they are offering a 3yr Fixed Rate Mortgage - 75% LTV , @2.34% . I'm thinking of putting in an offer tomorrow on a property so could do with some suggestions. Any help will be much appreciated . I was thinking of going through a broker but…
Temporary Change of Address
Hello We have sold our property and are due to complete the sale within a couple of weeks and will be moving in with family temporarily (2-3 months). At the same time we have agreed to buy a new property, which is due to be ready in Feb/Mar and have had formal mortgage offer from Nationwide. I know that there is a chance…
First Time Buyer Advice
I am a first time buyer with a 20% deposit and interested in a mortgage of around £170,000, I have no debts. I have two incomes one which is PAYE £26,000 for a company that I have been employed by for the last 6 years and the other is through dividends from a company that I own. The last tax year the dividend payments from…
Lenders fundamental Breach of mortgage contract
My existing Mortgage provider has been issued with a 14 day notice over its fundamental breach of my mortgage contract. I am reclaiming £37,500.00 in mortgage payments and other cost since the lenders breach 3rd February 2009. I am happy to continue paying the full term of my mortgage upon the lender providing a signed…
Barclays Remortgage Advice
Hello all, I have a 3 year fixed product with Barclays/Woolwich which ends in February. I phoned them yesterday for an overpayment query and they asked if I wanted to speak with them about a new deal etc. I did not have time however it got me thinking. I am looking at a 10 year fixed deal and have found deals I am happy…
First Time Buyer with CCJ
Hi guys, Wondering if I can get some help please.. I'm a first time buyer with a CCJ that ws registered some 5.5 years ago, its due to come off early next year and then my credit file should be fine. In the interim, i.e. currently, I'd like to purchase a house and I have a deposit saved for this. I'd like to get some idea…
What Would You Do?
My five year fix rate with the Nationwide ended a few months ago so I've now dropped down to their 2.5% variable rate. I planned to sit on this deal for the foreseeable future, particularly since Mr Carney from the Bank of England stated interest rates wouldn't rise until unemployment fell below 7%. As they predicted this…
First time buyer: how do you find the "cheapest" mortgage?
As a fellow money saver i always look for the best price/deal before buying anything, its just my nature So now i want to buy my first property i am quite lost on how to find the most competitive mortgage? I will have to wait for my grad job to go past probation before applying for a mortgage so have 4 months to wait. By…
Nationwide changing our T&C's during mortgage term
Me and my wife have just accepted an offer on our house. At present there are few houses available in the area we are looking to move so are considering moving in with my wife's parents for a few months to avoid losing our current buyer. We are coming up to the end of our current fixed term deal (4th Feb) so went to…
Mortgages and tax credits
Would like some advice on how a lender would view my situation : Income - salary £10k Tax credits - £10k Child benefit - £1k Maintenance - £4200 DLA for child - £4000 All figures per annum. Child aged 8, no childcare costs as I work from home and set my own hours. No debts at all, excellent credit history - several…
Checking credit report after application
I get Equifax's monthly alerting system so I know what changes if any are made to my credit report but I haven't actually downloaded a full check since the beginning of the year. If I download a copy now is there any chance of it influencing a decision by Halifax? I've already submitted a full application after getting a…
Nram, porting,
I have a house worth 120k I have an outstanding mortgage of 106k, some secure some un-secure. I want to buy a house for 115k as I'm moving with work. Can I do a straight port with nram? Also I'm in the forces so not on the electrol roll, I've been abroad a lot so don't have much if a credit history either, will they do a…
Predicted increase in cost of Mortgages
With the Bank of England announcing the end of Funding for Lending for Mortgages. Does anyone know if its possible to fix a mortgage for 4/5 years at current low % rates now even though we haven't managed to get a house as yet (we are 1st time buyers with a 15-20% deposit looking hourly/daily in NE area of London). We are…
Transfer mortgage / add name to mortgage
Hi, My partner's mother & father bought a flat in July 2012, which my partner & I moved into & effectively we pay the mortgage [rent]. We have all talked about it & we are wondering whether it's possible to transfer the mortgage into my name or add my name to the mortgage (my partner has just turned freelance so she no…
Payment amount
Good evening looking for a bit of help please. I am due to complete on the 3/1/14 the lender is Nationwide. I have a fixed rate at £485.59 per month. When applying for the mortgage I set a preferred payment date of the 28th of each month. If I complete on the 3/1/14 how much will my payment be in money I calculate approx…
Natwest - Liars
Called up Natwest to arrange a mortgage - booked in to meet advisor in branch and continue with application. Last minute call from Branch - cannot do the meeting etc... suggested rebook or arrange for a call through telephonic advisor. Called up the mortage sales - reconfirmed the time for call back for the next day ; the…
When will my first repayment be?
Sorry to be a pain, I know questions like this can be tedious because there continuously asked. I need an answer relatively quickly though as I'm due to exchange tomorrow with a view to completing on 20th December. The mortgage is with Nationwide, my question is this... If I complete on 20th December, when will my first…
Feeling rather annoyed right now!
Was supposed to exchange today and solicitors emailed me to say the vendor still hasn't returned the signed contracts! I know a week ago I was waiting enquiries to be answered but now that's all done I honestly thought they would have signed the contracts at the same time. Grrr :( x
Final Underwriting - Leeds BS
I have applied for a mortgage (ftb) online direct with the Leeds Building Society. Decision in principle came back fine, sent all my documents to them (payslips, id, etc), they requested additional documents (proof of occupancy for previous address) sent that to them, valuation has been done all okay on that front....…

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