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Mortgage Nightmare!! Advice needed.
Hi Having a complete nightmare trying to get a mortgage at the moment. Me and my partner are first time buyers and we have had an offer accepted on a property totalling £192,950. As my partner is a key worker, we have qualified for a 17.5% equity loan from the government through a scheme, and we have 2.5% deposit on top.…
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estate agents cant do this can they
we have seen a house we liked and was lured in to have a chat with connells estate agents.. about it with the morgage advisor.. we said we already have a broker and who was willing to give us a morgage.. so we go along and end up with them getting us a morgage at a better rate with the halifax, we had to provide the info…
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re-mortgage
i am looking for a self certificate mortgage interest only :o 80%LTV any advise who offering the best deals????.....:cool:
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Booking Fees.
I am about to take a fixed term mortgage and I have been told I have to pay a £995 booking fee. I was under the understanding that banks could only charge a fair price for there work. I have been told this fee is just for them to set up the funds and the direct debit. Any Ideas Gary
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Remortgage Choice
Hi Guys, We are about to leave our fixed term agreement which was a lovely 4.78% and we have decided on 2 potential remortgage options and we aren't sure what to go for so any advice is much appreciated. We want to stay fixed term. Option 1: Nationwide, our current lender, 5.95% 3yr fixed term. £599 fee but no hassle of…
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Refusal to value
Hi hope someone can give me some advice In the process of remortging to Abbey. We had the valuation last friday. Having now recieved the report, it states that the company carrying out the evaluation have refused to value the propert because it is on a busy road (it is on a B-road, but two houses have just been sold on our…
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Mortgage for overseas property
Hi, If someone who is living and working in the UK would like to buy a property abroad (outside the EU), which is the better option - to raise a mortgage from a UK lender or to get a mortgage from a bank in that foreign country? Thanks!
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Self Cert Mortgage
Has anyone any experience of these. I need to get one and am aware that the availability and deals on offer on these have declined, among with everything else recently. I need approx 150k (house price 190k hopefully), which i would be putting a deposit of 22%/25% down- 40k ish. At a push if needs be i could put down a…
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will they let me switch to interest only?
Hi, I have a mortgage with my partner with Nationwide, currently fixed at 5.83% until June 2009. My partner has decided he wants to split up after 8.5years and I want to know what my options might be. Will they let me switch to interest only for a year whilst I get a pay rise? I can then get someone in to rent the second…
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Buy To Let - deal ending
Hi, I am new to MSE and am hoping I can get some advice. I am currently letting out my only property and have a 2 year fixed BTL mortgage with Chelsea that will end in September. I am not totally happy with the way that Chelsea treated me as a long standing customer when I had to relocate for my job and was told I had to…
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Offset mortgages and loans
I wonder if anybody can give me some information regarding offset mortgages and loans. I have friends who have an offset mortgage with Nat West at 6.6% variable with 12 years to run and currently they owe £44000. They have money in their offset account and decided they wanted to withdraw £11000 of it to purchase a new car.…
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Fixed or Base Rate Tracker?
I am looking to remortgate in the next month or so. I am in dilemma whether to go for fixed or tracker rate. Both rates are the almost the same 4.69% offered by HSBC and Halifax. Could anyone please suggest which deal should I go for?
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Getting a Mortgage with Bad Credit History
Can anyone help. I am looking to buy a house for the first time in the summer. My problem is I have a poor credit rating from a few years ago which I think may hinder me. I have had some mortgage companies say they will lend me the money but I think I am having my trousers pulled down on the interest due to my history. I…
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Re Mortgaging Whilst On Income Support,advice Needed????
Hi,i Really Need Some Advice Urgently So If Anyone Has Experienced The Following Or Has Any Information Regarding My Situation Pls Write To Me, I Am On Income Suport And A Single Parent With A Mortgage In Which I Get Help Paying With From The Social. My Mortgage Fixed Rate Ineterest Only Is About To End And Will Rise Up To…
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Recently paid Mortgage exit fee
Hi I have just moved my mortgage to a new lender and been charged by my old lender (Halifax) £175.00 repayment administration fee. Can anyone tell me if I can claim part of this back? I have already claimed money back from the Halifax last year for when I moved house and received £75.00 back from them. Thanks Suebadoo
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Euro v Sterling mortgage
I work in N.Ireland and am paid in Sterling but I live in the Republic of Ireland where I moved to 5 years ago. At that time I took out a euro mortgage of approx. €109000 over 25 years. Is it possible to switch to a sterling mortgage?
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Should I Reduce or Save?
Hi, I have come into a sum of money. At the moment would I be better to pay it off my mortgage or put it in a savings account? Thanks
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House Insurance - Joint Names with Mortgage Lender
Posted this in the Insurnace section as well because not sure which is the best forum! I am buying a house and the buildings and contents insurance are £40 per month if I go through my mortgage lender. However, I can get it £20 cheaper with Sainsbury's Home Insurance and the policy covers everything my lender requires. The…
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remortgage fees
I have just come to the end of my fixed rate mortgage with Newcastle building society- I have chosen the option to stay with them as their rate is one of the lowest at the moment.But they still want an additional £999 completion fee and £99 up front product reservation fee. Can they apply these charges even though Im an…
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Trapped in shared ownership?
I have a shared mortage (50/50) with my ex - only he has been spending a lot of time staying at his new partners place. However, he now expects to split his time between hers and ours and expects me to allow her to stay for free since they won't owe each other anything for each others rent. However I have said that I would…