Add on mortgage fee and overpay?
Hi there Hope this makes sense to someone, but we have to remortgage in the next few months, and I have just had this fixed rate offer from our bank: 5 year fixed rate 3.44% £905pm with £1000 fee OR 5...
View ArticleN&P 10 year fixed not actually fixed?
So we looked carefully at the small print and it says because of the merger with YB they reserve the right to change the interest rate until November 2014. It's 4% at the moment, but I guess they can...
View Articlehelp with broker
Hello everyone, I'm a newbie on this site first time threading but have always turned to this forum for help and advice think everyone on here us great. OK now my reason for starting a new thread and I...
View ArticleMortgage advice please??
Hi all, I have got two mortgages on two houses not through choice. I bought a house to extend and sell on but eventually moved into after loving the layout but couldn't get my other hose sold due to...
View ArticleFirst time buyer - What to take to mortgage advisor?
Hi All, After a long wait I've finally been promoted and can now afford to look at moving out again! I've decided that I don't want to rent, so buying it is and will require a lodger to afford it. (I...
View ArticleFTB, low income, high deposit and mediocre credit score, cant get mortgage....
We are in a bit of a pickle. We have been left 65k by my husbands late grandmother and want to buy a house. The house we want to buy is 100K and a 3 bed semi. I have no income as I look after the kids,...
View ArticleMortgage with late payments?
Hi All Any advice much appreciated. Combined income of £85k, have a 20% deposit on a £390k house. My issue is 14 late payments (12 &2) on 2 accounts. 13 are 1's, 1 is a 2. Absolute stupidity on my...
View Articlewhat type of mortgage do I apply for ?
Quick question if I may.... I was living with my now ex partner in a house we bought. She has now moved out and I am living with my new girlfriend in the same house which we want to buy, so basically...
View ArticleRBS Flexible Mortgage - bank wanting capital repaid
Hi, This is my first posting. Although my issue has now been resolved i wanted to highlight the tactics RBS are now using in order raise revenue. I recd an innocuous ltr from RBS asking me to contact...
View ArticleIs there any point in progressing our AIP to full application?!
Hi, The offer on the house we want has been accepted and we already have anagreement in principle for a mortgage (15% deposit) with the Bank of Scotland. We did a joint application (I earn £33k and my...
View ArticleRefused mortgage because of default
Hi I am based in N.Ireland and have been refused a mortage with the Nationwide/Progressive because of two defaults in 2008. Amounts are £1566 and £230 I earn 34k and have a deposit of 20% on a house...
View ArticleMortgage and credit rating
Hi, My OH and I have been given a mortgage agreement in principle and are looking for a house. My credit card company has offered me a 0% money transfer into a bank account for 12 months. As we are...
View ArticleDoes lender see the same credit file as me (online) ?
I had an AIP for a mortgage from the Halifax last week, and had an offer accepted this week, and instructed the survey/valuation. A month before the AIP application, I decided to reduce balances and...
View ArticleBarclays survey refund
Having recently become divorced I found a property to buy for 195,000 on which I can make a deposit of 85,000. I did some research on mortgages and opted for Barclays as I bank with them. I made an...
View ArticleAdvised to be 'separated' and other LTV mortgage qus - Advice appreciated!
Hi there, My husband and I went to see a whole of the market mortgage adviser yesterday and I wonder if anyone could clarify some of his suggestions? I'm technically a FTB (had a mortgage 5 years ago,...
View ArticleVirgin money remortgage
Hi all Close to agreeing a remortgage with virgin money. Just wanted to throw the question out there for my own peace of mind. Is there anything I should worry about agreeing a 5 year fixed deal with...
View ArticleLegal & General With Profits Flexible Mortgage Plan
.....With Critical Illness Cover and Life Cover. I wonder if I could humbly ask for a nudge in the right direction from the forum experts. I started this policy in 1998 as the vehicle to pay off the...
View ArticleHelp to buy mortgage guarantee scheme...
We are currently saving into the Nationwide Save to Buy account and will have a 5% deposit by August and was planning on trying to use this option to by our first home... current interest rate is 5.49%...
View ArticleFinancial ombudsman service
Today, I had a response from The financial Ombudsman service in relation to a catalog of errors made by a bank when I remortgaged. These errors comprised - giving changing advice constantly as one...
View ArticleBuy To Let Mortgage
Hello, I'm hoping someone can point me in the right direction with my current predicament I currently have a house and a mortgage in joint names with my ex. When we split up I moved. I agreed that I...
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