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'Partial overpayments allowed'
Im looking at switching mortgage products later in the year when my fix ends so have been looking at options customer retention options with my lender YBS. Amongst the various deals they say the usual 10% and 50% overpayments but some say 'partial' anyone know what this means? I can find anything on the ybs website to…
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Help to Buy
Hi, My wife and i are looking at applying for a help to buy mortgage.. Does anyone know if the amount they are willing to lend you is less than if bought on the open market? Also which banks has the best acceptance rate?
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Best mortgage when intending to pay most off within a year or two
Hi, We are looking for some advice on a good mortgage for our situation, currently interested in a property approx. £230K-£235K and will need to get an agreement in principle to make a strong offer. I have £100K in cash and a property owned outright bought for £108K in 2010. Realistically can put down £85K-ish of the cash…
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Where do I go now?
Now the offer has been issued and accepted and winding it's way back to Leeds, I'm unsure of where to go now (on these boards) and I'm general! What's the process now? Just a case of sitting back and letting the lawyer do what he has to or does this need to be pushed. Naturally husband wants to move as soon as possible,…
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Paying balance
Hello, Am thinking of potentially paying off my residential mortgage. Is there anything I need to consider other than the deeds? Thank you for advice on this
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Mortgage Advice
Looking to find some advice please.. We are selling our home, we should have around £12,000-£15000 deposit from the sale of our home. Home has been on the market a couple of weeks and has generated a lot of interest. Houses we are generally looking at are approx £150,000 value. Our credit file is far from perfect. This is…
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Default 4 years ago. Chance of mortgage ?
Hi there, Me and my partner are looking for a first time mortgage and earn a combined £48k a year. Looking to borrow circa £200k and have £30k deposit. My partner is squeaky clean however I have a default from 2013 from a t mobile bill £65 (which was repaid a few months after the default date) I was querying this payment…
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Precise mortgage application old CCJ
Hello everyone, After googling many websites for advice I come across this forum page- wondering if anyone has any experience of or success with Precise Mortgages: We have just discovered that husband has an old CCJ from may 2012 for £600. A phone bill which hasn't been paid. After applying for a mortgage with Halifax-…
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To consolidate or not?
Hi guys. Im just after some advice on how lenders look at debt consolidation. Im in a situation where im having to take over a joint mortgage, and extend to buy her out. Im being left with a CC of around 8k, and a loan with a settlement balance of about 5k. Taking in to account my current mortgage, what i have to pay her…
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can parents help pay towards home puschase
iam looking to buy a second property without a morgage,but i wont have enough funds,can my parents who have savings contribute £20000-£30000 towards the cost of the property,iam single and they are retired.
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Paid in USD.
Would anyone have information on who would be a good mortgage company to get in touch with as I get paid in USD and most won't touch us and now need to find a better deal as we're coming to the end of our 5 year fixed. Thanks.
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Applying for mortgage - how to 'pimp' bank statements?
Hi all - as Martin himself has quite rightly said - when applying for any credit (loans, overdrafts, credit card, mortgages, etc) you have to go 'on the pull'. Now that I've got a decent mortgage advisor (who's not tied to an estate agency) he asked for 3 months of bank statements to help with the assessment of…
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Mortgage after a DMP
I'm currently paying off a Debt Management Plan which I will finally clear in the summer. Later in the year me and my GF would like to move house, atm she owns a house with around 70k of equity and we're considering moving to a new house with a value of around 180 to 200k. My GF is medically retired so my salary is the…
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Buy to let interest rates
Our fixed rate for our buy to let is ending in May. We just called Paragon and they said that interest rates have actually risen and the bets they could over is fixed is 3.9%. We are currently on 3.5% Is this normal at the moment? They said to leave it til May and then call again as they change a lot
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Mortgage and dtr going to university
Hi, We have 2 years left on our mortgage and our current mortgage comes to an end in June leaving approx £18k left to pay. We are in a bit of a dilemma as our current payments are about £880 PCM and we can't afford that and supporting her through uni. We have money in an ISA so could pay off the mortgage which would mean…
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Buy to let interest rates
Our fixed rate for our buy to let is ending in May. We just called Paragon and they said that interest rates have actually risen and the bets they could over is fixed is 3.9%. We are currently on 3.5% Is this normal at the moment? They said to leave it til May and then call again as they change a lot
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Indemnity Insurance
Hi all, I'm a first time poster, who is remortgaging my flat (share of freehold). When I took out the original mortgage, my solicitor said that the lease was technically deficient and so I had to buy some indemnity insurance before the building society would accept the mortgage. Since I am now remortgaging my flat with a…
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Remortgage more than one mortgage?
Hi I have a main mortgage taken out in 2014 on a 5yr fix, I have since added a 10k and a 20k on fixes that end at the same time as the main, in total there is £80k. I also have finance on a car and although not struggling to pay any of it I want to know if I can remortgage the whole lot elsewhere, I factored in the early…
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Natwest One Account SVR - Rate Not Cut
I currently have a complaint lodged with the Financial Ombudsman since November 2016 and they have advised that the complaint will take a while as they have lots of complaints of a similar nature and I was wondering how many others are experiencing my problem and whether they too have complained. My complaint is that…
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Bigger income multiples or just usual Daily Fail stuff?
http://www.thisismoney.co.uk/money/mortgageshome/article-4263602/Bank-England-make-EASIER-borrow-mortgage.html Is this likely to actually result in changes on the ground?
