Mortgage with arrangements to pay on credit file??
Morning After some more advice please :-) In the new year I need to move, I am considering a mortgage and have a deposit. I have had defaults in the past but these will have dropped off, I will be left...
View ArticleBad Credit Mortgages
Hi, I have two defaults on my credit file, one in 2007, one in 2009 which were both paid off in full in 2009. I am wondering whether I have any chance of getting a mortgage and if so, where I should...
View ArticleCan I refinance my mortgage without a job?
Me and my wife are a little stumped. Has anyone here refinanced their mortgages without a job? If so what resources, advice or tips do you have? Thanks
View ArticleSecond mortgage
Hi, I currently live in a home with a value of £130,000 and equity of £62,000. I would like to purchase a second property with a value of £130,000 and have a deposit of £25,000. I will let my first...
View ArticleBy what legal authority can the banks demand repayment?
I have a point for discussion and will set out a scenario. My understanding is that the banks create money. For example, I get a mortgage from Bank A of #100k. They ensure they have about #2k to back...
View ArticleFixed offset mortgage
Hello Could anybody suggest a competitive 3 or 5 year fixed offset mortgage with a LTV of about 60%. Thanks CroydeBay
View Article2nd property mortgage
i want to buy a flat in london, but unsure if any of the banks will give me a 2nd home mortgage, or worried that the down payment will be massive. anyone know of solid lenders who i might talk to. i am...
View ArticleMortgage Advice
Hello, I'm after some advice/opinions? I bought a house 2008 with my girlfriend. At the time a declaration of trust was drawn up to ring-fence my girlfriends capital contribution of £85k (40%) of the...
View ArticleMinimum property value?
Is there a minimum value a property must have to be mortgageable? I saw a relatively nice mid-terrace house a few weeks ago on rightmove that went for £25000 and it got me thinking. Is there a minimum...
View Articleextending current mortgage term on 1 income
we have a mortgage through lloyds tsb which has just under 19 years to pay, we've never missed a payment and have just finished a payment holiday as we'd over paid for a year. we're going through a...
View ArticleEndowment Policy Bonus's
Why is it so difficult to find out endowment policy annual terminal and other bonus rates. Is there no obligation to make this public. The only information appears to be random newspaper articles....
View Articlebuy to let mortgages and consolidation loans
Hi . I have a rental property which has an endowment which will not pay off the mortgage in full. I need another mortgage to clear the shortfall of approx £25,000. I have decided to take this...
View ArticleNew to being self employed , single and mortgage advice . Help!
Hi all looking for some advice. I have been running a gymnastics / dance school for last two years whilst I was also working as a full time teacher . The business grew and this september I made the...
View ArticleMortgage after an IVA?, but partner has good credit
Dear Forum; This post relates to mortgages after an IVA and also general mortgage advice. I will have posted something similar also in the IVA section, but thougt I would also post (for the first time)...
View ArticleStudent finance and mortgage
Hi all, I am a mature fulltime student and getting support from student finance company. This support includes adult grant & tuition fee support. The amount of grant I am receiving is calculated...
View Articlegetting a mortgage
Hi, I'd be most grateful if anyone could help me with the following. I am just about to take the plunge and go for purchasing a second property (we are intending to let out our existing home). My FA...
View ArticleNatwest ERC
Hi all, I am currently considering ditching my 5.99% fixed rate mortgage and switching to a better mortgage deal. I currently have 17 months left on my fixed rate and my early repayment charge before...
View Articlemortgage interest rate calculated daily
hi, i think i read here a while back that if your mortgage interest rate is calculated daily then you could save more by making an overpayment before the end of the year, is this true? thanks :)
View ArticleMortgage deal ending
Hi My 2 year deal comes to an end in April, when do I need to start looking for new deal? Thanks.
View ArticleRenew or delay mortgage deal
Hi all, New to the forum but have used it before for some good tips and hoping someone can help now. My 5 year fixed rate finishes in March (currently with RBS @ 5.4%) so I need to look for a new deal....
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