Better deals only for new customers? Lloyds TSB
We bought our flat at the end of May 2011, and took a 25 year long interest-only mortgage at a rate of 3.15% fixed until 31st May 2013. The current payment is £1,186.22 a month (the interest part)....
View ArticleMortgage Advise
Hi all Myself and my wife are looking to purchase the house we are currently renting. We are renting it from a family member and its value is 200k My wife is self employed and earns approx 28k per year...
View Articlesecond charge advice
hi a while ago i took out a secured loan with welcome finance, which i am still paying back, my MIL wants to pay off our mortgage for us as there is only a few thousand left on it, obviously i dont...
View ArticleHas our mortgage been mis-sold
8years ago my 65 year old,self employed husband and I took out an interest only mortgage for £150,000 valid until his 80th birthday. Since then we have never defaulted on the payments,had various fixed...
View ArticleUsing current equity as a deposit
If we own our current property outright, could we somehow use the equity in that as a deposit for a new property? Or perhaps remortgage the current one and use the subsequent cash as a deposit? Not...
View ArticlePaying off mortgage
I have £6000 from an endowment policy. I have a mortgage of £32000 and another for £6000, is it best for me to pay off the £6000 mortgage or reduce the £32000 one. Both have approx. 10 years to...
View ArticleWaiting in anticipation......
....... for news on mortgage/HTB application. HTB application went off to local agents on Thursday/Friday so I'm hoping to hear back by the end of next week, my broker has completed halifax full...
View ArticleConsent to lease
Why do I have to pay more to lease my property ? I wish to rent my home out, but have to apply for a Consent to Lease, which will increase my rate with the mortgage lender and so my monthly outgoings....
View ArticleVariable mortgages
Why can't I apply for a mortgage at a variable rate instead of having to agree to a term, ie fixed / tracker etc ?
View ArticleRemortgage completion date after usual payment date
I am remortgaging and have been given a completion date of May 2nd, with a set redemption figure. However my current mortgage direct debit is taken on the 1st of the month so I am worried an extra,...
View ArticleEndowment cashing in advice
I have a Minimum Cost Plan (80) - Early Maturity from Standard Life that has been going since 24 Nov 1988 and ends 24 Nov 2013 this year. I am paying £18.57 a month which provides the life assurance...
View ArticleFixed rate coming to end - credit check to stay with lender??
Hi there, My fixed rate is due to come to an end with RBS and I am wondering if they will do a credit check if I want to opt for a new fixed rate with them. I have a new loan which may affect how much...
View ArticlePotential Buy Needing Work - Questions
Evening all I have today had a second viewing on a very desireable house that requires a) a lot of work (new kitchen, new bathroom, decoration) at a minimum b) I would love to extend like their...
View ArticleRepossession
Hi there looking for some advice please. I am four months in arrears and awaiting repossession proceedings. I initially was advised by CAB to not do a voluntary surrender as this would affect me...
View Articleadvice re mortgage guarantee
Hi, my ex husband covers my mortgage as a condition of our divorce agreement, but I am worried in case something was to happen to him as I would not be able to pay the mortgage on my own. Is there a...
View ArticleMortgage bind
Hello I got a mortgage several years ago just before the slump in the market, so I paid top dollar for what now isn't, the payments are three quarters of my salary of which to date I have not missed...
View Articleconverting a interest only to a repayment mortgage
I have a property that currently is on an interest only mortgage, the term still has three years to run. I'm thinking about the end of the term when the mortgage company will certainly want all it's...
View ArticleFTB mortgage application - credit check query
Hello all, My boyfriend and I got a decision in principle from Nationwide this week on one of their Save To Buy mortgages. With it being a 5% mortgage, I understand the lending criteria is extremely...
View ArticleHi, Buying council property, please help
Hi Will try and condense this Our house has been valued at £69.000, we have a discount of £32.000. There are three of us buying, myself aged 59, Husband aged 55 and son who is 19 years old. All working...
View Article95% Mortgages - Scotland
Hey, My partner and I are looking into buying our first property this year. We currently have enough for a 95% mortgage on a property we love but can't seem to see that many are available in Scotland....
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