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Mortgages & endowments
Archives for November 2016
Discussion List
Remortgage for home improvements
Hi all - I'm 2 years into owning my home and have had a letter from Nationwide to switch, offering my money to do so as a thanks. I'm generally happy with them and happy to stay but the thing is I plan to do an extension next year and am wondering if there is a way to mortgage with this in mind. I'm originally from…
Want to buy a new house, first time with a mortgage...
Hi all! So, here's the situation. My husband and I own a house outright worth between approximately 200-210k, which be bought with an inheritance from my husband's late uncle. It was a new build, so is only 3 years old and is in good nick, apart from some cosmetic stuff (like a mark on the paint in the hallway where we…
Am I a first time Buyer
Hello All, I separated with an ex girlfriend about 2 years ago, we had a house together which she bought me out of after we split. I know that I have obviously had a mortgage in the past but as I font currently have a house can I classify myself as a First Time buyer? I ask because their seem to be some good offers…
Questions to be asked - Remortgaging
I am about to remortgage and have been offered a couple of good deals with my current provide (Santander). What key questions should I ask myself to help me decide? I have already decided to go for a fixed rate mortgage as I like the security this brings. Any help much appreciated! Thanks.
How to take some money out from a property?
Newbie here so apologies if this is a stupid question. I own a flat which I bought a couple of years ago. Current fixed term on mortgage ends in early 2019. I am thinking about buying a bigger property but I would prefer not to sell this one. What are my options to take some equity out of my current flat to be used as part…
SDLT payable on TOE + BTL remortgage?
Two years ago, before George Osborne changed the SDLT regulations, my girlfriend and I decided to invest in a buy-to-let property as neither of us has a pension. We found a 3-bed property for £148,500, but finding a mortgage proved to be more difficult, because my girlfriend was between jobs at the time and we were both…
Considering an offset
Hi everyone, our mortgage term ends in the middle of next year and we are toying with the idea of going for an offset mortgage this time. We currently have 18 years left on our mortgage, by my calculations if we put the £50k we now have saved into an offset mortgage I can bring the term down to around 8 years while still…
Santander-12 months post arrears advice please
My mortgage payment today should mark 12 months since my arrears with Santander will clear. I know there is never obligation for them to offer a better rate but is it worth keeping check online in case a new rate becomes available? Not after additional funds or new terms, just a cheaper cost. Not able to migrate away…
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