The Mortgage Works - Overpayments
I am looking to make overpayments on my mortgage following coming to the end of a 5 year fixed rate at 6.39% to the Mortgage Works variable which is 1.99% above the base rate therefore 2.49%. The...
View ArticleEndownments policy.
We were advised when we took out our mortgage in 1987 that we would better taken a endownment policy out . Further down the years the endownment there was to be a shortfall with our policy. We cashed...
View ArticleCan I apply for mortgage few days before appointing solicitor?
Heard the process of mortgage confirmation can take some time so thought I'd make the mortgage application this weekend. But wont be finding solicitor until early to mid next week - is this OK or does...
View ArticleIncome used on getting a mortgage?
Hello, can you tell me what income is used on getting a mortgage please? Is tax credits taken into account I don't earn a lot but would like to buy for the first time, I do have at least 10k deposit. I...
View ArticleYorkshire Building Society - any recent experiences?
The YBS has some good rates but I am somewhat put off by some negative comments I read elsewhere...do any forum members have recent experience with them?
View ArticleAnyone doing 100% BTL mortgages with no deposit?
Hi there, I'm new to this section of the site having mainly lurked around MFW for the last several years :o. DH and I paid off the mortgage on our house a few days ago so now we're ready for the next...
View ArticleFTB Mortgages
Hi All, Looking for some advice. Me and my boyfriend are looking to buy a place will probably be 2014. I have always had some form of credit whether it be a car loan, or a credit card, have always made...
View ArticleNationwide --- terrible!
hello guys, I am a longtime reader, but this is my first time posting. It will be a long post sorry abt that but am really upset! We are FTB. OH has bad credit, so mine was sole application. 40k annual...
View ArticleHow binding is a endowment maturity notice?
Two separate questions really 1. If you believe a maturity value is below what it should be. Can you haggle with the provider? 2. If a provider offers a maturity on a policy not yet due to mature (i.e....
View ArticleHELP & advice needed Late payments with hbos - halifax mortgage app
Hi, My wife and I are recently married. We have kept our finances seperate. She owns her current home and we are doing a part exchange. Due to trade in and cost of new home it's 90 LTV. New home is...
View ArticleDo homeowners lose out on high interest vs repayment in early years of mortgage?
Hi all you mortgage savvies, I've just looked at an amortisation table and seen that the % of interest paid at beginning of mortgage is v high vs repayment. If say buyer's circumstances change and they...
View ArticleShall I Rent Current House And Buy New? Or Sell And Move On?
Thinking of renting current property rather than selling as initially planned. I then intend to remortgage and take out as much equity as allowed. This would pay for deposit for our new house (property...
View ArticleHelp with a plan of action
Hi all, Recent events have me enquiring for help. I live in a mortgaged house with NRAM. Im stuck with them at the min. Our incomes lower than when we got the mortgage, we are on the SVR. Our house is...
View Articlemortgage fee taking above LTV ignored? And part loaned deposit?
Hi there, I wondered if someone could help here. I am planning to get a 75% LTV mortgage (the deal says max LTV 75%) but planned on added the circa £1000 fee to the mortgage - but obviously this would...
View Articlemoving up the property ladder.
I need some advice -Roughly 2 years ago i purchased my council flat it was valued at 110k, but i got 30k discount. I had 15k for a deposit, so got a mortgage for 65k on my own. As i was purchasing the...
View ArticleProperty Dilemma!
Hi Everyone, I'm trying to see if anyone else can maybe give me some fresh ideas with my problem! Everything I try to do seems to just present a new problem! Ok so here is the background. I own a 2 Bed...
View ArticleERC HSBC to First Direct
Just doing some figures as seems to make sense to move our mortgage across to First Direct from HSBC, especially as we have moved all our banking across. My query is that given they are in reality the...
View ArticlePorting a Nationwide mortgage during fixed period - any experience?
Hi, Does anyone know how mortgage porting works for Nationwide when you are during the fixed period? We have 1 year left on our fixed mortgage and are looking to move to a more expensive house so will...
View ArticleMortgage advice needed please
Hello, I'll try and keep this short. We are trying to sell our house to move somewhere bigger. I was in a DMP which I left having settled all my debts in Jan of this year. As a result I had a number of...
View ArticleHelp! arrangements to pay on credit file but want to get a mortgage
Hi, this is my first ever post although I have spent hour and hours over the years reading really helpful advice. A bit about me, im in my 6th year of a DMP paying back £38K with payplan and should be...
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