Is the Chelsea 2yr 1.74% OR 3yr fixed 1.99% too good to be true?
Just wanted opinions on the Chelsea 3yr 1.99% (60% ltv) and the 2yr 1.74% fixed mortgage currently available. It has a fee of some £1545 which seems a little high and think it would negate the benefit...
View ArticleTo Sell and start a new Mortgage or not?
Hi All, My wife and I currently live in a flat worth roughly £134K and have a mortgage left of roughly £130K. We're looking at selling the flat to buy a house, now not having much equity in the flat...
View ArticleHow far do lenders look at address history?
Hi :) I have posted previously about late payments and how they affect mortgage applications. I have lived at my current address for 3 and a half years. The one account that has the late payments on it...
View ArticleRepossessions 17% lower in first quarter of 2013 than 2012 reports CML
Hi Interesting read A glimmer of light on the repossessions front maybe according to the Council of Mortgage Lenders http://www.cml.org.uk/cml/media/press/3516
View Articlemortgage advice please
Hi was thinking of putting house up for sale september (been paying off loans /c/cards/gym/phones etc out so will have £695 p/month spare) just household monthly bills going out got about 35k-45k in my...
View ArticleHelp, we need to rent
We would love some help. Someone I know has moved in with his girlfriend and for the first year his mortgage provider, Halifax gave him a year consent to lease to rent his house out. When the year was...
View ArticleLost payslip - Halifax mortgage proof of income
Hi! I'm currently on maternity leave and moving house. Me and my partner have been approved for a halifax mortgage, however, they require my last months payslip from before I went on maternity...
View ArticleFirst Time Buyer
Myself and my my wife made 10% deposit to buy a home using personal loan. Our salaries are good enough to pay off the loan and mortgage amount without any problem. We also checked the affordability...
View ArticleHelp choosing a mortgage please
Hi, I would be really grateful for some help and advice. We've just had our offer accepted on a property (yay!) and we will need to borrow £350,000. The purchase price is £500,000 so it's an LTV of 70%...
View ArticleHelp Please - Repayment or Buy to Let
Hi All This is my first post, I have read the forum for a while now and would really appreciate some advice. I will be coming to the end of a 5 year fixed rate repayment mortgage soon. I bought the...
View Articlewhat chance of remortgage
Hi,1st time posting and would be grateful for any advice. Have property worth 300k and current mortgage with woolwich £170k so have £130k equity. I need to increase mortgage to £217k and applied for...
View ArticleBelow Market Value?
We are first time buyers and we've only just started looking at houses. Getting a feel for areas and what we can get within our budget etc We have some money saved, enough to cover fee's etc but a full...
View Article5 Yr Fixed Deal At An End What to Do??
Hi Our 5 yr fixed 5.63% deal ended last month, we have arrears of £4k from a payment holiday, there has been no contact from the lender, so what happens now, does our mortgage continue at this rate...
View ArticleTransparency on Maturity Payment
Hi, We have just completed paying £20,613 in endowment premiums over 25 years and have now received notification from Friends Life that the maturity payment will be £33,800. This seems a bit on the low...
View ArticleWhat happens when a mortgage ends?
Need a bit of advice for my mum, please. In a few days her mortgage ends and the property will be fully paid for. I suppose her main query is does she need a conveyancer? She's not moving home or...
View Articlemortgage up part intrest part repayment
Hi first time on mse can anyone tell me what i can do with my interest only and capital repayment mortgage the endowment part matures in 4 year time but the mortgage deal is up end of may but now...
View ArticleFTB question: When exactly must deposit be in hand?
Good day, I have 41.5k of my 45k target deposit in hand. I can grow the deposit at 1.2-1.5k a month ... so ~3 months away from target. My parents have offered to cover non-deposit costs ~£4k. Hoping...
View ArticleRemortgage for Extension - so confused
Hello I bought my first house with my wife two years ago for shy of 87k. There's a huge plot of land next door to double the size of the property and there's a house opposite who did so some years ago....
View Article5 Year fixed mortgage @ 2.99% with no fees with HSBC
This seems like a pretty good deal if you have enough equity in your home (60% LTV). 2.99% for 5 years with no setup or booking fees, plus no solicitors or valuation fees. Looks good or is there...
View ArticleCan I get a mortgage?
Hello all, I'm looking for some advice on whether I'm likely to be able to get a mortgage. I'm self employed earning £22,000 a year (3 years accounts) My fiancee is part time/self employed with a...
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