Attending exchange of contracts
I'm a FTB and was wondering if both my partner and I will need to attend anywhere to exchange contracts? Thanks
View ArticleOverdraft and re-mortgage
Hello, I wonder if anybody could help please? We are due to come out of a fixed rate mortgage on 31st October this year. We are dealing with our debts and don't miss any payments. However, we do not...
View ArticleHelp the Hopeless!
Hi, hoping for some help here. I currently rent (rolling contract) with my girlfriend but the landlord has now expressed his desire to sell. He asked me whether I had any interest in buying which got...
View ArticleFTB in London, weird credit "score"
Hi all :) I am looking at buying a studio early 2014 in London. I have about £15k saved at the moment and in a year's time I'll likely have about £20k saved. This should be adequate to put down a...
View ArticleExploring mortgage options
My wife income, £27,000, my income Fixed contract that last four years but same company since 2008, income £4,700 pa. The renewal cycle kicks in next may. I also have self employed income, 2012/13...
View ArticleMortgage with one default
Just sold my house which was a joint mortgage with my ex husband and have found a house which I want to buy. Problem is I have a default which is 5 years old (ends April 2014) but have a 15% deposit....
View Article95% Mortgages
Do they exist? We're looking to move home and have just over 5% deposit. We've joined the nationwide scheme which means you save for 6 months and then can apply for their 95% deal. Just wondered if...
View ArticleIndividual mortgage and joint deeds
Hi myself and my partner are in the process of buying our first house and the mortgage is only in my name. The reason for this is that I work for a bank and qualify for a very attractive staff rate and...
View ArticleMortgage for Home & Self Catering Business
Hi. Quick question. If I was looking to purchase a property that serves as both my home and as self catering accommodation, is there a specific type of mortgage or finance I should be seeking. In my...
View ArticleShould I accept endowment payout but add a caveat?
My mortgage endowment has matured and is very short of being able to pay off the amount it was intended to cover (never mind the profits expected!). The endowment matured a year ago, but I was not...
View ArticleMortgage advice needed
Hi all, I'm after a bit of advice if anyone could help me. 2 years ago I was turned down for a mortgage by abbey because I had a default on my credit file. It was only 4 years old at the time so my...
View ArticleGetting a new mortgage with bad credit
My husband and I sold our 2bed flat and his deceased mother's house which we rented out for3years. My husband had missed payment on the last three months before the property was finally sold and I had...
View ArticleMis-sold mortgage 10 Year Fixed Rate
Before I give the full details, I'm sorry to give you a little bit of history to the issue that my wife and I have. 2005 - I moved into a new house with my Mother and Father. Unfortunately, at the time...
View ArticleMortgage and Divorce
I current have a friend who is getting divorced. Her partner is making her sell their property even though she wants to keep it. (difficult to explained and details are not required) Is it possible she...
View ArticlePaying Mortgage off early
We have decided to cash in our endowment policy, to pay off our mortgage early. Someone mentioned to me that we can leave a little amount owing, so as to get out of paying the bank fees for paying...
View Articlere-mortgage advice
Hi all Would appreciate some pro advice please? I have 4 years remaining of a 10 year fixed mortgage with YBS which costs £359 per month (20 years remaining overall) Current redemption cost including...
View ArticleHalifax mortgage not updated
I pay my mortgage by DD on the first of the month and it usually updates the next day. My mortgage hasn't updated yet, has anyone else had the same this month? Both are Halifax accounts.
View ArticleAre Final Bonus Payments Worth Waiting For?
I have an Endowmwnt Policy with Prudential that matures next February, I am in two minds whether to surrender the policy now and reduce my repayment mortgage [ my mortgage is not tied into any product...
View ArticleMortgage Mistake
Hi. Hopefully someone can give me some advice. I worked abroad for a while to help pay off major debts. I was paying off my mortgage in lump sums. Last June i telephoned my mortgage company to pay a...
View Articleconverting to BTL mortgage???
Hi, I need some advice please. I am considering renting my house and therefore have come to learn that I might need to switch to a BTL mortage - I am currently with the woolwich. Does anybody have any...
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