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Mortgage crisis
Hi everybody. I've just broken up with my girlfriend. We have a mortgage together. I want to know how I go about tranferring the mortgage solely into her name. Can anyone help, pls? The other factor is that it is a shared ownership place (the housing association owns 50% of the flat). Does this make things more…
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changing title deeds
i want to add my boyfriend to the mortgage i have with scottish widows, they say it will cost £100 but there are land registry fees does anyone have a clue as to what they might be? Thanks Michelle
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Completion of mortgage term
I live in Northern Ireland. I am due to complete my mortage shortly and have been told that I will have to engage the services of a solicitor to enable me to obtain the deeds from my moetgage provider. I am told that the rules are different in N.I. than in the rest of the UK. Is this correct?:huh:
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change now??
Hi, My fixed rate morgage runs out in 3 months which was fixed at 4.29%. I also have an additional morgage which is fixed until June 2009. The issue is that I am not sure what to do for the best. I could go on a variable rate morgage for 6 months and then renew both morgages together but I am expecting my first baby at the…
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first time buyer mortgage advice
Hello, apologies if this is in the wrong place, but ive got a query about my soon to be mortgage repayments. Ive recently had an offer accepted on a house and been given a deadline of the 26th June by the vendor to exchange. My question is if i exchange on the 26th will i have to make a mortgage payment for June even…
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Coventry B.S sends threatening letters.
I was astounded last week to get a letter from the Coventry building society about missed payments on my mortgage. Two years ago I went into my local branch of the Cov B.S and had a chat about why I was on the privelege rate of 8% (not much of a privelege) when they were offering new customers a 5.29% three year fixed…
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Joint mortgage and CCJ
Hi Guys, I live with my partner and currently own my own home with a mortgage in my sole name. My partner sold her previous home and the equity from the sale currently sits in a savings account. We would like to buy a second property as an investment however my partner has a settled CCJ against her name. We are not…
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Interest only
I have a friend (honest) who is up against it at the moment. He owes 150K on the mortgage and is struggling each month due to over-commitments and less work. He said last night he is toying with the idea of asking the mortgage company if he can make interest only payments for 12 months so he can sort out his other…
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tracker rate problem
morning all i have a tracker mortgage which was taken out around xmas 2007, since then there have been a few base rate cuts so i have watched my rate but it hasnt dropped phoned up woolwich who said i need to call each time to have the payments readjusted so can i now ask them to return to me the overpayments from the last…
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Advice needed please on Early Repayment Fees
Hi there, I have had my mortgage with Future Mortgages for just over a year and in Jan08 we were told if we transferred our mortgage with them they would waver the £6800 early redemption fee. For this reason we went ahead and had an offer accepted on a property and had our mortgage offer in writing when the sellers decided…
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are all norges gone up this much
hi all, been paying 550 on a 17 mortgage, now natwest wont 654 :eek: on a 5 year fixes, has all mortgages gone up this much
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Mortgage help please
Hi All, I currently have a shared ownership mortgage but I am now looking at buying on open market. I have been offered a family freinds house for 290,000 and was valued at 345,000. Obviously this is a large amount so dont no what the possibilitys are. I have 14,000 worth of debt which I pay on time every month. I do have…
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Mortgage Advice Sought.....Please
Hi all, I would be grateful for advise on renewing the repayment element of my mortgage(£11000 approx) the present deal is due to end in February 2009 This is roughly 20% of my overall loan, the majority of which is covered (or not)by an endowment policy. The mortgage is due to finish completely in February 2011 therefore…
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What does LTV stand for?
Hi I am with nationwide and my 2 year mortgage deal is due to finish this summer. I was looking on Nationwide web site and it had different offers depending on LTV %. Could somebody explain this to me Many thanks Stevie
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Live in buy-to-let property: Is there any loophole?
Hi All Is there any one live in a buy-to-let property nowadays? Is it something against the law or is there any loop hole that can be exploited..
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10yr fixed rate mortgage.......!!!!
Hi , Thinking of purchasing a 10 year fixed rate mortgage to save this constant hassle every few years trying to sort mortgage out. Thought about all the up and downs , world events , economy , change of gov. etc etc I feel things are not going to change to quickly , in fact stongly feel it will be a few years to simply…
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Equity rich and floundering
PC (pre-crunch) reserved two one bed flats in golf region of Algarve for rental income (high season)/personal use (low season). Wrongly assumed no prob to raise funds for developer's deposit of £30k by either remortgage or by releasing equity from house. House valued at £320k..present mortgage with Nationwide £35k. Self…
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Loan's or credit cards
We have a NR mortgage due to run out in March 09, we have 20K loan, and 20K on credit cards. We was going to combine the 2 to have one 40K loan. When we go to remortgage in March we are going to hopefully release some money in the house to pay some of the debt off, but will mortgage companies prefer to look at one big…
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2 year deal a good idea?
Since there seems to be some relatively good 2 year deals out there at the moment. Just wondering if anyone is going for them? Do you think it’s a good idea to go for 2 year fixed or discounted rate given the uncertainness of what new deals will be in 2 years?
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Halifax part payments
I'm a bit confused by my mortage balance which I can check online and have never understood how often the interest is added and why the balance seems to go up and down. The Halifax don't give you a list of transactions, just the balance so I always find it diffcult to work out. This week I've made a part repayment of…