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mortgage lawyer fees scotland
hi looking for some advice, can anyone give me an idea or how to find out how much lawyer fees are in scotland if we were buying a property at £58850? thanks in advance
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ml
privacy reasons
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Does being a MFW currently make sense?
My wife and I are 2.5 years into our 30 year mortgage and have ~£91k left to go with the house worth ~£200k. We had always talked about paying down the mortgage as fast as we could to reduce the interest but haven't been in a position to do so. However, she has a sharesave about to end and a new job so we've started…
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Morgage Free when you are addicted to shopping.
Hello This is the start of my MFW diary. Just to explain a bit about myself. I am 36 year old married woman with no children yet and I like shopping rather too much, but not paying full price. I am now trying to pay off the mortgage in the next 7 years. We owe just over 99k and this is only debt that we have. I don't want…
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Should I pay off my ~£100k mortgage?
Hi guys, I'm new on here so please be nice! My partner and I bought our first house around 2 and a half years ago at age 27. Around June time last year my partner was diagnosed with cancer and she's now out the other side which is wonderful news! When we took out our mortgage we took critical illness insurance which we've…
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Overpayments
Hi, new to this so be kind :-) I am in the final stages of getting a mortgage. On the official document "Offer of advance" What happens if you make overpayments? says: "You can repay all or part of the loan at anytime before hte end of the term in accordance with the mortgage conditions. If you make an overpayment(as…
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New MFW/ Calculations, homework checking and q's
I am finally in a position to start overpaying my mortgage. I've just done a mortgage retention with my lender, Clydesdale. All is well with that. I couldn't remortgage with a new lender as I was over my credit card balance a couple of times so was getting passed over. So I've taken a new 5-year retention, 5 years at…
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do i pay the fee
hi all been a while since ive been here so here goes i`m coming into some cash soon, and i wish to pay the mortgage off, so start off ive had the mortgage 28 years, originally 25, then because of none payments i had to take a remortgage out after the original 25 was up, anyway moving forward my my fixed rate is coming to a…
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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary
Best I could come up with for a title :o . For those who haven't come across me before, HERE is my old diary. Hopefully I will keep this one to 2016 when I will be totally mortgage free :) 2011 challenges. Mortgage #1 £19,546.15 Currently 0 Target Mortgages 2 & 3 £101,668.64 Currently £94,803.11 Projected end of 2011…
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I want 2 pay off my mortgage early@remortgagestage
Yellow! I am about to get a mortgage and need help when planning for the future. We are going to get a 5 year fixed rate mortgage and at the end of this time period we will have saved about £50k (or more, as we are letting out one room to a friend). Our mortgage, which is originally £190k, would have been paid off by about…
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Sell or not to sell?
I've been reading through a lot of the posts regarding overpaying mortgages and want to move to the other camp and sell up to be a mortgage-free wannabe Here’s my position: Age: 58 and divorced Children: x 3 (32; 30; 26 - all with steady employment and their heads screwed on regarding their futures) so no financial…
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Menopausal mortgage madness
Hi everyone I've been lurking on this site for over 9 years now. I've picked up many tips from all you lovely people. Well here goes a little about me. I'm married, to dh who is 54, I've just turned 49. We have 2 grown up children ds is 25 and no longer lives at home and ds who is 21 and is in her final few months at uni.…
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Re-mortgage advice
Hi, Just wondering if anyone can give me some advice. I want to try and re-mortgage. I have 115,300 outstanding of which 50,000 is interest only (I know, I know!) - I was with Northern Rock, and now with 'Landmark Mortgages' paying 4.99% apr and they don't/won't re-mortgage with us. I want to try and take out a repayment…
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diary of an overpaying nut
An overpaying nut. This is what I'd like to become anyway. The overpaying part I mean... I'm already a bit of a nut case ;) Long story short, I've just remortgaged to renovate my kitchen, my bathroom, and to extend the lease on my (overpriced) greater London leasehold flat. I'm hoping to lock in a 5-yr fix rate @ 1.79%…
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Car paid off or sink more into mortgage?
The family car has come to the end of its finance term and it's still tickin all the boxes so I plan to keep it, probably for another 3yrs. I have the gfv amount 10k set aside to buy it, however would I be better off financially putting this into my mortgage and getting another loan for the car? My mortgage is 1.99% 14yr…
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Best to keep quiet about being mortgage free?
Got an inheritance (£100,000 ) then from another old inheritance kept saved - £20,000 and £15,000 saved I bought a one bedroom flat -£124,000 outright. Only a one bedroom flat and I am 44 so not really that great but lots of my friends are struggling to pay their mortgages or rent in rubbish places in an area of the…
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MF before I'm 57!
Hi all. Today I signed up for a mortgage!! If all goes to plan, I will soon be the proud owner of my dream home and a 26 year mortgage! I currently can't sleep and I'm not sure why... Is it because of what I did today, or someother reason? Who knows! I will however make the most of not being able to sleep and I'll put a…
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Breaking Free
I'm starting this new 'Breaking Free' of the mortgage diary to keep us focused on doing just that. OH and I are aiming to start overpaying this month to bring our mortgage free date forward. We want to be FREE!
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go mortgage free?
Good afternoon Can anyone help? I am lucky enough to have come into some cash that will enable me to pay off my mortgage in full. I currently pay interest at 1.84% on a one bed flat and my current mortgage product runs out in August. The plan is to live mortgage free for 12 months or so then look to to move to a bigger…
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Financial Freedom - I'm coming for you!!!
Hi all Been around these forums for a while now but need to get myself cracking and get rid of my mortgage and get myself financially free. So I rang up last Monday and mortgage was £160,306.48, scary!!!!!!! What's even scarier is the mortgage is interest only and only has 9 years and 4 months to run, GULP!!!!!! So i need…
