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Household Mortgage Corporation
Took out a mortgage 25 years ago with Household Mortgage Corporation and endowment running alongside. Sold property 15 years ago, and kept endowment. Endowment maturing this year, and insurance company asking for letter of no interest from Household Mortgage Corporation. However HMC is listed as dormant, and I cannot find…
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Broker in Birmingham
Can anyone recommend a good whole of market mortgage broker in Birmingham please.
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Mortgage PPI
We had a Mortgage with Nationwide when we bought our first house back in 1998. We were offered MPPI by the Nationwide adviser and took it up with the mortgage policy. At that time both my husband and I were working full time, in permanent jobs with the option of redundancy payable to both of us should we lose our jobs.( We…
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Mortgage Protection policy
HI I am ex Barclays staff and still have a staff mortgage. When I took out the mortgage 20+ years ago and it was compulsory to take out a policy with Barclays Life which would repay the mortgage in the events of our death. This is paid by a monthly DDR. Is this classed as MPPI Thanks
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Free hold property with restrictions
My husband owns a leasehold house and is attempting to buy the freehold and sell the house at the same time. There are currently 30 years remaining on the lease. However restrictions have been placed on the purchase of the freehold regarding mining rights and only using as a residential property. The buyer's mortgage offer…
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Removal from mortgage?
Hi - can anyone give me some advice on this please? My ex-husband refuses to remove me from our mortgage. I have not lived in the property for 15 years, am happily remarried, and the mortgage on the house I used to live in should have finished in 2008. However, I am receiving annual statements from the building society,…
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Which mortgage should I go for?
H and I are both in our 40s and moved house 2 years ago. Our mortgage is for 20 years and was a 2yr fixed rate which is up in June. I contacted the company and they have given us 2 really good offers so Im happy to stay with them as its less hassle and no fees. For us, due to age, we are keen to try and shave a few years…
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Mortgage - Ground Rent on leasehold
Hi All, I'm at the final stages of completing my mortgage, it's a leasehold of 99 years, with the initial ground rent being £150 per annum (initially £200). When I got the leasehold contract from the seller he is imposing doubling the ground rent every 20 years, so by the end of the lease the ground rent per annum is…
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How to pay off repayment part of mortgage?
Hello. We have a mortgage with about £120,000 remaining on the debt, of which £40,000 is set as interest only due to a useless endowment which I cashed in some years ago (don't bother commenting on that!). The mortgage runs for another 10 years. I make that £334 per month to make up what will be owed still when the…
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Porting HSBC mortgage
Hi, Just after a bit of advice. My Fiancee and I have a mortgage with HSBC with £160k left to pay - we have only just taken out a 2 year fix at 2.29 with HSBC so have 22 months left on the fix. Its a 25 year mortgage. We have around 60k equity in the property and have both just had salary increases so we are moving to a…
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CC Debt and Remortgage
Hi, I've been a keen reader of these forums for some time, but only joined to post tonight, so please treat me gently! I have a problem and would be very grateful for your collective wisdom. Please forgive the long description below - it's the only way I could make it make sense (at least I hope it makes sense!) My family…
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Santander mortgage
How long does it take to get a mortage /remortage with santander . I started the process via London & Country on Sunday and today (Wednesday ) L&C said my application had been accepted . I have given them proof of income and bank statements ,nothing else. One other thing this offer included free legal and survey . How long…
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Change of property address - effect on mortgage application?
My son is hoping to buy his first flat. It's in a converted office building. Broker has recommended Nationwide and full application was submitted last Friday. Paperwork from solicitors arrived today and the selling solicitors have changed the address of the property on the lease and all paperwork! It is now Flat xx, Rxxx…
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3 year or 5 year fix?
Hi, We’re in the process of buying a new house and have the option of choosing between a 3yr and 5yr fixed rate Mortgage. The 3yr is at 2.09% and has monthly repayments of £1030 over 25 years and the 5yr is at 2.53% with repayments of £1090. The difference in repayments is neither here nor there, but what I’m keen to get…
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Halifax mortgage summary incorrect
We applied for a mortgage with halifax on Saturday via phone. Everything was disclosed and I went into branch on Monday with ID and payslips etc. to support the application. We have paid them for survey and valuation which is booked for next Tuesday. We got paperwork in the post today with a mortgage summary supposedly…
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NATWEST Mortgage with a FA
FA submitted NATWEST mortgage application for us (first time buyers) on Monday/Tuesday. We were accepted with a MIP prior to full application. We have quite a high income-outgoings ratio which makes us a touch and go application I think! She advised that Natwest wouldn't take any survey fees unless a survey was to be…
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Help to Buy Scotland - remortgage?
We bought a house with the HTB Scotland shared equity scheme a couple of years ago, and we're coming to the end of our fixed rate soon. Nationwide (our lender) have sent us a list of all of the rates which will soon be available if we wish to re-mortgage with them... Except they're not available for HTB customer so I'm not…
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Possible problems paying mortage
I'm looking for some impartial advice. My partner and I work for ourselves. Business has not been doing so well this past two years (though thankfully it is just starting to pick up) and we've been dipping into savings to pay the mortgage but now savings are running out. We tried to remortgage last year but the bank said…
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Aldermore
Hi, Anyone with any recent experience of Aldermore? We received a DIP 2 weeks ago on a HTB new build, went to full application straight away, supplied requested documents last thursday, valuation completed on Saturday (valuation has come back fine), they've asked for clarity on how we intent to clear our current mortgage…
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Need money for business - shall i remortgage.
Hi all, I have around 80k ( 12hrs shifts for last 8 years) in savings, which I did not use to pay-off mortgage as I wanted to buy my own pharmacy. Me and my business partner have got a promising opportunity to buy a pharmacy and I need to raise 125k for my share of the business. I was to planning use 60k of my saving and…
