Mortgage Overpayment
Hi Everyone, I've got a mortgage with the Halifax and last year I made a couple of lump sum payments totaling £34k. At the time I was advised by the Halifax that making overpayments was a good idea as...
View Articlethinking of remortgaging
Hi everyone, I currently have a mortgage with nram for £96,500 on their discounted variable rate as it was a together mortgage we took out. I've been looking at remortgaging and from a basic search on...
View ArticleEndowment value over figure set to repay -
should we cut and run or hold on in there? Bit of background, OH and I took out a mortgage in 1988 and were persuaded to take out an endowment policy to, and I quote 'repay the mortgage, see any...
View ArticleFTB mortgage help please?
Hi, Just wondering if someone in the know can give a bit of advice please?? Myself and my husband are looking to buy our first home together, here is our current situation... My husband owns a flat,...
View ArticleRemove a Name from a Mortgage
Hi, my mother took over from my ex on the mortgage back in Oct 2005 as I had been self employed less than 3 years & my income couldn't be used solely. I am now remarried & haven't had contact...
View ArticleMortgages on buildings made from non-aluminate concrete?!?
Hi Just made an offer on a flat in a grade 2 listed building. Offer rejected and EA advised on checking with the bank that they would lend on a property made from 'non-aluminate concrete' or something...
View ArticleGetting a 'second' mortgage
Hi, Hope someone can advise with this! I am on a mortgage with an ex partner. I haven't lived there or paid anything towards the mortgage for 5 years. I want to buy a new house, been renting for a long...
View Article25yr or 30yr mortgage?
Hi, Im a FTB and about to apply for my mortgage (house offer accepted). I did assume I would apply for 25years, but as Im a sole applicant a 30yr mortgage may look more affordable on paper? (I could...
View ArticleAdvice Needed - On a Mortgage/ Bridging Loan - Trying to purchase mums house
Hi again, I'm in need of some advice if possible so I thought who better to ask! Right, that's the compliments over and done with....he he he. Hopefully, you might be able to help. Unfortunately, we...
View ArticleMortgage advice - am I losing money?
Hello, just looking for mortgage advice! My partner and I want to get a mortgage for a flat worth £260k. I am in a lucky situation in that my partner's mother has offered to gift him 30% (£78k) of the...
View ArticleRemortgage for sole applicant
Hi I currently have a interest only mortgage of £76,000. I would like to remortgage and change to a payment mortgage over 30 years. I would also like to release some money for some home improvements...
View ArticleBad Credit and Help to Buy Scheme
Me and my husband are looking to purchase a new home at a price of £280,000. As it is a New Build the builders are currently offering a Help to Buy Scheme which would require us to provide 5% deposit...
View ArticleAdvice - wrong details on application.
I'm a FTB but this is my 2nd mortgage application (first one expired) with the same place (NW). Last time I went for a meeting with their mortgage advisor and everything went smoothly but this time not...
View ArticleToo early to look for a mortgage?
Having originally been intending to move next year the wife and I have put the house on the market this weekend and are viewing a property we like this Friday. It's one we've had our eye on for a while...
View ArticleLenders error is stopping me get a mortgage!
Hi, any help would be amazing. We paid off our mortgage in January, and are now moving and applying for a new mortgage. We are being refused because in March 2012 we were late with 1 payment. This was...
View ArticleMortgage audit holding up exchange
We were agreed for a mortgage for a property and the valuation was also completed and agreed. About a week before our exchange date, the lender (Santander) said that they had to conduct a random audit....
View ArticleJoint mortgage woes - how to get free?
Hi, I got a joint mortgage with a mate back in 1998 and we pretty much fell out within months. He left the country (to Northern Ireland) and I've lived in the house and paid the mortgage ever since....
View ArticleEndowments maturing soon
We have a couple of with profit endowments maturing in the next few months. I have been tracking the surrender values monthly to try and estimate what they will pay - values below. They seem to have...
View ArticleNRAM Together mortgage - settling on sale of property
H all, I've a Northern Rock (now NRAM) together mortgage (Secured mortgage + unsecured loan). My property is now in negative equity taking into account the whole balance, but the mortgage portion is...
View ArticleHalifax - viewing mortgage online
Just logged into my account to check my balance only to be greeted with the message again. IMPORTANT INFORMATION FOR MORTGAGE CUSTOMERS Dear xxxxx xxxxx We are currently carrying out some improvements...
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