Mortgage fees
What are people's opinion's on mortgage fees? Are they worth paying or is it best to go with the non fee ones?
View ArticleSVR - do you have to remortgage
We're currently looking at mortgages at the moment as we are first time buyers. Is it best to go with a lower interest rate at the moment for the fixed period even though SVR after the fixed period is...
View ArticleNew to property ladder - overpayment confusion.
Please can someone help me clarify... I have a 90% mortgage - borrowing £81,000 over 25yrs. Monthly payments £441.30 (4.34%). I can overpay by 10% without incurring a penalty charge. My question is -...
View ArticleExit Fee process
Hi. Quick question: When remortgaging, do you pay the exit/completion fee before you transfer to your new lender or do they 'invoice' you after? My current lender is Santander if that makes any...
View ArticleComplicated..Mortgage on benefits only?
Hi Im really not sure where to go with this but ill give you some background so sorry if its long winded! 5 years ago I sold my house and moved into my then partners house and paid his mortgage of at...
View ArticleEstate agent's mortgage advisor
I am starting viewings to buy a property and I have agreed with one estate agent that I will see their advisor to discuss mortgages (I think he said they can give me an agreement in principle). But as...
View ArticleSantandar Mortgage
Hi all, My wife and i are renewing our mortgage with Santandar but to stay with them they are asking for admin fees of £650 and a fee of £250 for hang on to the deeds. This seems very steep for just...
View Articlemortgage application - getting worried
Hi all, wasnt worried about my mortgage application, until i started looking on this site, now I see halifax, gives AIP pretty easily, have spoken to my MB and he reckons, everything will be fine, just...
View ArticleSantander & financial ombudsman
Hi My husband and I had a massive problem with Santander at the end of last year, which resulted in them listening to phone calls, then admitting they had misinformed me, result being that we would...
View ArticleRemortgage additional borrowing > 80% LTV
I am looking to remortgage and secure some additional borrowing. Based on the value of house and existing mortgage I come in at 78% LTV. However I want to borrow an "additional amount" which brings the...
View Articlewhat % is interest what% is repayment?
Hi We are looking to move due to daughters education - it will be just for two years, so hubby wanst to sell house to rent elsewhere for time being. Im concerned we are going to loose too much money on...
View ArticleHelp mortage advice
Hi. I'm not sure if I'm posting in right place but here goes anyway. Me and my ex bought a house together 10 years ago. He put down £4000 deposit. Five years ago we spilt and I moved out. I tried to...
View Articleinterest mortgage
hi i have paid the mortgage on my home but would like to move to a bigger house,the house i live in at the moment is worth £120,000,the house i would like to buy is worth,£130,000,not sure wether to...
View ArticleMortgage broker fee reasonable?
Hi, I am in the middle of arranging a complicated buy to let mortgage and have finally found a broker who seems to have a willing lender. The only issue is that he wants a total of £2500 broker fee....
View ArticleAdvice on getting equity out of house (but on interest only mortgage)
Hi- hope some of you may be able to advise. we currently have an Interest only mortgage (just until May next year)- house is worth approx 220k and mortgage is 184k. Just discovered that I am 6 months...
View ArticleRemortgaging a 110% mortgage
I hope someone can help. We have a 110% mortgage (£100,000) that we got from Northern Rock nearly 8 years ago. After the initial 5 years fixed rate, we're now on a relatively high 5% rate. Is it...
View ArticleMortgage on a house which needs work
We are just venturing into buying our first home. We have savings of 30k, so a decent deposit. We have a certificate from London and Country saying they would give us a mortgage between 140 and 210....
View ArticleAm I wasting my time?
Hey guys and girls I am really here to ask for advice, I'm a first time buyer, the major issue is that I am self employed and as far as people are informing me I'm screwed. I am tempted to just walk...
View ArticleHalifax mortgage Application
Could anyone help with the following? I've been through the AIP process and also full application with the Halifax, survey (valuation as new build) has been instructed for next week. Is this a good...
View ArticleMortgage Underpayments
Hi, I have a repayment mortgage which was originally £730 per month for which I have made over payments in the past. I rang my lender 18 months ago to stop the overpayments and have my direct debit put...
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