Remortgaging - advice required?
I wonder if anyone could tell if there's a flaw in my logic or if there are any questions I should be asking. We are looking to remortgage with our current provider First Direct. We will be moving to...
View ArticleChange Of Borrower / Temporary Agent Employment
Hi all, Wanted to some advice or some experienced views on a potential issue... A mate and I own a house together to which I have more equity in. My girlfriend and I are proabably going to buy him out...
View ArticleEndownment Shortfall - What to expect?
Hi All, Please forgive my ignorance - i'm new here! I have 2 endownments maturing on July 1st 2013. One is on track :j, but the other is a massive 26% short :(. Two separate providers, the first was...
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MSE News: Bank of Ireland makes partial U-turn on mortgage hikes
"Around 1,200 Bank of Ireland mortgage customers with a base rate tracker will escape controversial rate hikes..." Read the full story: Bank of Ireland makes partial U-turn on mortgage hikes Click...
View ArticleWhat would be my next options?
Ok, so I am desperate to get on the housing ladder via the HELP to buy scheme. I've tried halifax but they need a 15% deposit, which I don't have. I only have a 5% deposit. I am now trying with...
View ArticleNever had a mortgage.... but about to get one, question
Hi there As the title suggests, I have never had a mortgage before, but some of you may have seen from other posts that I am about to help my sister out in buying her next property, following on from...
View ArticleUnable to renew fixed fixed mortgage rate
Hi all Got a bit of an issue with my mortgage rate. For the last 4 years I have had it on a fixed rate (2 x 2yrs) and now it is due to expire bumping me back to the Standard Variable Rate and pushing...
View Articleoverpayments
Dumb question perhaps, how can I start making mortgage overpayments? I'm with Halifax and I'm allowed up to 10%. Is there a way to do it online and do I have to inform Halifax? I'm planning on...
View ArticleTricky mortgage, any advice appreciated!
Hi, I've been spending the last month calling broker after broker and am unable to find the type of mortgage I need. I am on a Tier 1 visa with more than 1 year left, and am looking for a buy to let...
View ArticleMortgages with a Default
Hi guys, I've been lurking around the debt-free diaries for a while, but have made the rather grown up decision recently that I'm going to start saving for a house whilst my rent and outgoings are low...
View ArticleLet to Rent - which mortgage type?
A question came to me earlier, regarding somebody who wants to let their property, in order to move to another area to rent. If it was for more than 2 years would they have to convert the mortgage to a...
View ArticleRemortgage Advice Needed
I have recently purchased my parent's home in Wales which is mortgage free and valued at approx. £110k. I am looking to purchase a holiday/investment home in Las Vegas with a view to retiring there and...
View ArticleWhat point do I get a revaluation?
Hi all, I would welcome your thoughts. I am keen to remortgage having recently come off a Long term fix. We are also in the process of having a big extension which i am hoping will bring the value of...
View ArticleRemortgage to BTL plus new mortgage possible?
Hi all, I'm just looking for a bit of advice as to whether the plan I have in mind is possible\realistic or if it's just pie in the sky. I currently have one bedroom flat, for which I paid ~£82k in...
View ArticleCashflow/Moving House
We move house on 26/07/13 ie We hand over keys to our buyers, and get keys to new house. We were told we had to maintain a 10% equity stake (deposit) in the new place (165K home), and as like many...
View ArticlePulling out of a mortgage after application.
Hi, We have applied and been accepted for a mortgage they are just waiting for us to send a piece of evidence before it goes through. We purchased a homebuyer report through the mortgage company and...
View Articlemortgage declined- any ideas?
I currently have a mortgage with HSBC and I want to port the rate over to another property (because we are moving homes). I want to borrow exactly the same amount of money. However, HSBC are now...
View ArticleTransfer mortgage offer to another property
Just had formal mortgage offer from Nationwide. Unfortunately our purchase is looking shaky. Just wondering if in theory we can transfer the offer to another property and then presumably just pay for a...
View ArticleAdvice on letting my house - mortage / finance
I currently own a house in Stockport, mortgaged via Nationwide with about 11 years left on the mortgage. I've had to relocate due to work and am renting a bungalow elsewhere. I don't need to sell at...
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