-
Advice/Guidance/Help for first time buyer
Hi, my name is Tony. I will be honest, I haven't found a property and at this stage am not even looking at agreement in principle or a quote. Would it be ok just to chat for some advice? I have quite a few questions. Me and my partner are looking to buy a property in Cardiff Wales. We would be looking/ready to buy probably…
-
want to change mortgages
hi there i am coming to the end of my mortgage deal in november which means i can now look around for a better deal as the price i am paying is well over the top,anyway i have missed a few payments on my mortgage but have always brought them back up to date,what i would like to know is will other lenders let me remortgage…
-
Advice Wanted
Hi I am new here. I am looking for advice. I have just got a price for my house on the Right to Buy scheme. It is a good price. However, I am kinda worried what with all the news stories about Northen Rock and interest rates and the situ in the US speading over here. As well as reports the the housing market is likely to…
-
can the self employed with a deposit still get
good mortgage deals - even with the whole northern rock issue....thanks in advance.
-
Buying a new house £300000
Hi, My brother who is 52 who islooking at a house for 300000,he owns a house which is morgage free, he will rent that out for £500 a month,his savings are £50000. He is also recieving £10000 rent from other property. He doest have bad credit history, no criminal record. Whats the best mortgage for him. Thanks in advance
-
High Loan to Value still alive and kicking....
Abbey is launching a high loan to value mortgage. They entered the 100% mortgage market not so long ago and are now going into the 125% LTV market along with Northern Rock, Alliance and Leicester, BM Solutions and Coventry Building Society, however unlike these lenders there is no unsecured element. The whole 125% would be…
-
Should I remortgage our home, that is the question?
Hi,folks, Just wondering if you could help me decide on this. At the moment my hubby and I have an £85 000 mortgage from Bank of Scotland having a tracker rate (dont really know what that means) and paying a part of capital and interest rate. We have a 16.5 yrs to go. We are paying £687 per month at the moment. We are…
-
redo mortgage
i am looking to get a new mortgage is it better to get a mortgage which could pay off my loans+credit cards for a fixed period or get a mortgage for a fixed time and slowly pay off the loans, credit cards also need to check my credit history as think it may be affected
-
Are trackers wise with current NR problems?
I am currently on a fixed rate with Nationwide which ends 30th Nov. I have spoken to a no fee, whole of market advisor and he is coming back to my house tonight to process my new deal. I was going to go with a +0.17% tracker deal from the Woolwich as there no fees at all and there is no tie in so i could chenge after 2…
-
Life insurance - essential?!
Hi, Me and boyf have just bought a house - do we have to get life insurance? Our IFI has advised us to, but it's £50 pcm and at the moment money is really tight - and I'd like to think we're not going to die anytime soon, so the optimist in me thinks it's a waste of money at the moment? We're 23 and 26 and in good…
-
endowment to sell
we have our endowment to sell, as we are remortgaging and having a repayment mortgage, at last.... Can anyone recommend a good company to do this with, or is it best to sell back to the company . Thanks
-
Able to remortgage with second charge?
I recently was refused a remortgage by Barclays due to having a second charge resulting in a high LTV. However, I'm quite confused by this and don't really understand their logic - the way I see it is: House value £200,000 Mortgage £155,000 2nd Charge £52,000 Now, I appreciate the combined totals are over 100% LTV - but…
-
Fixed Rate Mortgages
Hello, about to get a fixed rate mortgage for 3 yrs at 5.7%, but have now just seen a fixed rate of 5.59% for 10 years!! Not 100% sure what to do. I know no one has a crystal ball, but what is the overall verdict?? Should I go 3 year and risk the mortgage rate going well below the 5.7% or should I fix it at 10 years as the…
-
International mortgage ?
Is there any lender who is dealing with international Mortgage for Pakistan ? Thanks.
-
re morgage advice please
Hi, just want some advice, and i always seem to get really good feedback whenever i post something. The thing is my morgage deal runs out at the end of feb 08 and i have been seeing lots on this site about interest rates going up - and understand i could start to look now, which seems early to me, but probably wrong. I…
-
Gmac charges, are they fair????
I have a repayment mortgage with Gmac and recently decided to stop the Direct Debit, because they kept taking the money on different dates in the month and causing all sorts of problems. I now pay my mortgage via internet banking and Gmac have started chargeing me £15.00 per month for not paying by direct debit!! Can they…
-
repossesion question?
hello :) im after some advice I have a mortgage with RBS and a secured loan with welcome finance. With interest rate rises and i have also cut my work hours from 37 to 33 due to health problems, i am struggling to pay my mortgage :( i disscused this with my mother who advised me it would be best to sell up and move in with…
-
Mortgage Q 11 months till fix ends, arrange new "banker" offer now?
Hi, Our 5 year fix ends in 11 months, we got it at 3.99% so I know payments will be going up, and I know roughly what the new repayments would be at todays rates, my question is when to arrange our next mortgage. I'm concerned that rates may have further to go up and ideally would like to have a "banker" offer available…
-
Mortgage Comparison Website?
Greetings guys and Gals. I need some help. Can anyone tell me if there are any websites out there which would work like the mortgage comparison packs available at mortgage vendors out there? I am looking for something which would compare A-Z of all mortage providers and then let me compare the deals? I have tried the one…
-
Mortgage Advice needed
Hello, I'm new to the forum and need some advice on getting a mortgage with poor credit. I was discharged from bankruptcy early in 2006 and still have a terrible credit rating, I have a basic account and was recently turned down for a debit card application. My partner has an extremely good credit rating, and we are…