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Interest payments
So I have a mortgage of £14300 ( ish ) for 9 years and 10 months fixed for 3 years at 1.69% My payments are £130 ( ish ) per months . Just waiting for the final figures How much of this payment will be interest and how much per month will actually be paid off the mortgage Thanks in advance
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Buy house in different city
Hi. My husband works in Slough area 4days/week. And we thinking to buy house in Derby. I am job less. Can he get mortage to buy house for me to live. And he wants to keep his job in Slough and During his work days he will stay at his friends house in slough. As he not need to pay rent there, and his salary is enough to get…
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Remortgage : 2nd Charge Issue
Hoping someone can advise. Firstly, I would state my property is located in Scotland. I am currently going through a remortgage. When the solicitors carried out a title search, my current lender’s name appears but also 2 secured loans with Picture Financial which were taken out in 2005 and settled in 2007. Picture…
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Mortgages coming to an end for over 65 landlord - What did others do?
Hi Guys, Got a few years left yet but looking at best options. My Dad owns a fair few properties on interest only B2L deals that are coming to an end in a few years. Because of recent (health) circumstances I am looking at taking over the property management to reduce stress but overall / bigger picture he is looking to…
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Newcastle BS application
Hi, looking for advice or if anyone has been in same type Of scenario. Recently applied for 95% mortgage with my other half and started a new job last week. Mortgage broker aware of new job at the start of the application and Newcastle wanted every last document known to man from them regarding my contract etc. Mortgage…
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Applying for a mortgage and overdrafts
Hi Very sorry if this has been discussed but after checking many threads I can’t seem to see anything that can help. Plus very sorry for the essay At the moment me and my husband live together. The mortgage for our house is solely in his name. 7 years ago when we bought the house I never had good credit and was in the…
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Mortgages for bad credit and poor affordability
Hi there We’ve just been turned down by L&C for a remortgage this month having previously been accepted (probably due to a £5k paycut as I had to change my working hours). We’ve tried Climb who initially said no problem but the affordability doesn’t add up. We are, using the calculators on the cusp with high debt…
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Santander mortage
Anyone with a Santander mortage how did you find the process? Also out of curiosity did you get any free gifts or promotional/marketing items ie keyring, trolley token etc?
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Communication in writing, denied by bank.
My bank has refused to communicate with me in writing and insists that the only option is by phone. I suffer from hearing loss and anxiety related to this. Is it legal for my bank to do this? Thank in advance for advice.
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Mortgage for 60 year olds
Husband and I have a mortgage that has only a small balance left, but we're hoping to borrow more to move to a bigger house. Is it hard to get another mortgage at age 60? We'll both be working to age 65 or 66. Incomes not high but we could afford to borrow more. Are there any lenders better than others for our age group?…
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Recently self employed remortgage wuestions
Hi Folks, Myself and OH became predominantly self employed in Jan 2019 and our 5 year fix ends in December 2020. We know it is going to be tricky to remortgage so wanted to make a few very early enquiries of people who are more knowledgeable than we are! Our mortgage is currently with Nationwide and we have an outstanding…
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Mortgages for unemployed?
Is there such a thing?? - Benefits only income 12k pa. (A broker advises no such product exists) My mum just turned 55 planned to take her pension as a lump sum. She wants to retrain as a driving instructor. She's unemployed (after working over 30 years in catering). She has back troubles has had surgeries etc limiting the…
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Unusual remortgage question
Hi all, Apologies in advance if this question has already been asked - I've searched and couldn't find a similar question. Please post a link if there's already an answer! Scenario: My mum is 67 and lives in a house in Cornwall. The house is valued at approx £200k. She has an interest only mortgage for approx £40k, with…
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Porting Mortgage gone SERIOUSLY wrong!
Hi there, I took out a two year fixed deal with my mortgage provider, Santander, and was told it was fully portable. I sold my house, and had to re-apply, as now on benefits. This was agreed, and was told that as long as I took this out by mid-nov my redemption fee would be re-paid, and I have until January to use the port…
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Clydesdale bank FTB. HELPPP
Hi, Applied for mortgage 95% LTV with Clydesdale Bank today direct after doing AIP online. Spoke with there advisor on the phone today to do our full application which referred (mortgage advisor told me this is normal as high risk mortgage). I’m just really nervous as have offer accepted on house and just want an idea what…
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How is house value calculated come renewal?
First time buyer here.....I am due to remortgage soon after a 5 year fix, early next year... since we took the mortgage out we have overpaid consistently and as a result we have taken about 1.5 years off the standard mortgage time. House prices in our area have definitely gone up, but they are not exactly consistent in…
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Do mortgages have an online management portal?
Do most mortgages have some kind of online portal to manage and view things? I'm thinking something similar to what I have with my bank accounts for online banking? I've had a mortgage a long while back but it was paper and telephone based with no online element. It'd be great if things have changed now so you get a nice…
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Building works and increased mortgage - £0 valuation?
Hello, I'd be really grateful for views. We have a very manageable mortgage with Nationwide on a house we've lived in for 15 years. We have started building works for a kitchen extension and total refurbishment. The kitchen and bathroom are now removed. My plan was to fund the building works from a combination of savings,…
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Remortgage for classic car purchase
I have done a reasonable amount of research and just wanted to run it through here. I was widowed a few years ago and due to various life insurance policies have almost paid off my mortgage in full. However, I would like some fun and want to buy a semi-classic car for £70,000. I would plan to enjoy this for 2 years and…
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Buy to Let Mortgage Insurance
Hi All, This is my first post and I'm not sure if it's allowed. I'm due to complete on a buy to let property in a few weeks and need building insurance in place for completion. Is there any brokers who can message me for some details so I can get a quote? Thanks for your help.
