-
Appointment to "save money" on my fixed rate mortgage?
Hi everyone, I'm hoping I've chosen the right place to post - apologies if not. I just had a call from a chap from Natwest (my mortgage provider), who advised me that their rates are dropping and they want me to pop in to discuss how they can save me money on my mortgage. I pointed out that I'm on a fixed term for another…
-
statutory CR and broker
Hi. I just supplied my broker with a statutory credit report. He asked for it to get the ball rolling. This statutory report was with Equifax. Can any body confirm that these reports are accurate and can produce enough information for the broker? Only on the Statutory CR there is no sign of the Payday loans I had 3 years…
-
Noddle amount owing
Hi Sine I've been on a DMP I've finally started checking Noddle to keep up to date with exactly what I owe. I seem to recall something odd happens with mortgage interest where it gets added annually or something? So presumably the Noddle amount shown us not the real figure that I owe, or am I making this up ? Thanks for…
-
help
I have been separated from my husband for five years, he was paying the mortgage until 2014 when my youngest daughter turned 18, we then agreed to pay half each but for the last 2 months he has failed to do, I am now getting countless phone calls and letters from the mortgage company asking me to pay the arrears, would I…
-
Percentage of deposit: property price or amount borrowed?
Stupidly simple question when you know the answer, but when my property deposit savings are shown as a percentage to find the best mortgage deal, is that percentage worked out from the amount I need to borrow after the deposit or including the deposit? ie. Deposit: £40k Property Value: £230k Amount borrowed: £190k Deposit…
-
Is it possible to get a mortgage or loan against money locked in until July
I've just seen a house I love and I have enough money to buy it cash - however, I have got half of the money tied into a fixed term account until July 2015. Is it possible to borrow money against that. I don't earn enough to borrow the money on a normal mortgage. Or is there another way? Thanks for reading
-
6% apr savings vs overpaying repayment mortgage
We have just switched to 2.59% and paid off a lump sum with 22 years to go our payments have gone down to £498 from £950. We can still afford £950 per month and we want to overpay so we are mortgage free in 10 years, are we better over paying monthly at 2.59% interest daily over saving at 6% apr and paying a lump sum every…
-
shared ownership, good or bad??
I can not borrow enough money from the bank to get a full mortgage. They advised me to look at share ownership. What do i need to know regarding this and what are the pros/cons:think: Ive goggled it and it makes no sense to me
-
Lawyers for vendor and buyer
Our offer was accepted and the agent told us that the vendor is using a lawyer from the agency's panel. They said that if we use another lawyer from the panel (not the same lawyer), it can cut down time since the contract has already been pre-approved. We are still waiting for the list of lawyers from their panel. However,…
-
Halifax residential mortgage and lodgers
Hi I have a Halifax residential mortgage fixed until Aug 2015. Im considering taking in 3 lodgers to boost my finances. I know I need to notify Halifax. Has anyone done something similar and can you tell me how Halifax responded? I've heard they may decline my request or increase my interest rate to a BTL rate. Please…
-
Dividends as an earning for mortgages?
Hi I own part of a business, but I opt to be paid any money via divdend (obviously have tax taken off them too) can these be used as earnings towards a mortgage application and if so what proof do i need thanks so much trying to get everything in order to apply in september
-
Remortage for Extension - Novice
Hi, We are currently a year in to a 2 year fixed deal and would like to remortgage for an extension when it is up for renewal next year. We've had the house for just over 5 years (2 bed semi in the North West) and when we bought the house we had the large garage converted into a lounge (5mx5m). Now that we have a child and…
-
Halifax Mortgage Valuation
Hi all, I'm in the middle of my mortgage application with Halifax. The payment for the valuation went out on Tuesday but the estate agent hasn't heard from anyone regarding the valuation yet. Does anyone know roughly how long it takes from payment date for the valuation to get booked? Also, if the payment has been taken,…
-
Credit repair mortgage
Does anyone know of a credit repair mortgage provider that a borrower can apply direct to, without using a broker?
-
Pension as part of mortgage application?
Hello, Im looking to move house so my mortgage will increase, and I want to ask if mortgage companies would consider my pension as part of the application. Im 46, have a Hampshire County Council pension through my employer. The last statement I had (Aug 2014) states my maximum lump sum on retirement would be £35000 and…
-
Finding a Mortgage Broker
Hello, I wondered if anyone had any advice on finding a decent mortgage broker? I know that people often use the unbiased website, but to be honest I'm a little bit confused by it! How do I know if a mortgage broker listed on this website is decent? Is it a case of booking an appointment to find out!? My situation is a bit…
-
Working in NI, mortgage in ROI?
Hi guys, I'm not sure this is really the right place to post but I'm at a complete loss and always get such helpful advice on MSE so please excuse me if I shouldn't be here! We're currently living on the South coast near Brighton but DH has a job starting in Co Tyrone, NI in March. We've been looking for property over…
-
Remortgage help with Nationwide 10yr fixed
Hi I am with nationwide on fixed till june this year. I have just seen in the newspapers about there new 10yr fixed rates but its only with people with 40% deposit. I am fairly new to re mortgaging so please ignore my stupid question. My house was 225k when i bought it I took a loan of 180k which at this moment its about…
-
95% mortgage
Hi All, Hope you can help! :) Are you able to get 95% mortgagesnowadays? Without the help to buyetc? Just a normal 95% one? I seem to be getting a lot of contradictiveanswers, and not sure what to believe! :o Thanks in advance.
-
Remortgage for a better deal
Hi my current and 1st mortgage deal is due up in march. I am going to use london and country as a broker, is it to early to get the ball rolling? Im with marsden building society atm, do you think i am right to look elsewhere for better deals? Thanks Ollie
