negative equity and interest only secured loan
hi I've never posted on here before but wondered if anyone has had a similar experience and could share any advice. We bought our house 7 years ago with a 95% mortgage and unsecured loan to make it up...
View ArticlePlease Help ! remortgage advice needed with additional loan
Hi, Just opened this forum account so please go easy on me if i get anything wrong ! Myself and my wife and 2 kids have had or house for the last 7.5 years mortgaged with abbey aka now Santander. we...
View ArticleMy first time morgage application _pale_
Hi everyone I am going to apply for a morgage tommorow for the first time. I am just so worried! My grandparents house has just been put on the market to my surprise and i would love to buy it. The...
View ArticleMortgage broker - Blackburn, Lancs, Ribble Valley
Can anyone recommend a mortgage broker in the Blackburn/Ribble Valley area? We are first time buyers with a good credit record and a 15% deposit for the house we want to buy. We have made contact with...
View ArticleInteresting mortgage advice
Had a bit of interesting mortgage advice recently On a shared ownership property I was told by a large independent mortgage advice company that based on my £1,600 salary i can afford to pay...
View ArticleThinking of applying for a mortgage
Would a late cc payment in 2011 and one in 2008 affect my chances of applying for a mortgage
View ArticleChanging product with same lender whilst on a DMP
Hi there, Does anyone know if lenders carry out a credit check when changing product? I'm currently on a debt management plan and have a mortgage with the halifax which is coming to the end of a 2 year...
View Articlechances for first time buyers
Hi. My wife and I are looking for our first mortgage. We both have two defaults each which are all settled and totalled leas than 2000 altogether. They are all over 3 years old. We have a 10% deposit...
View Articleremortgaging to free cash, is this how it works? *confused*
Hi, thanks for taking the time to read. Im a bit confused and hope someone will be able to shed some light on this for me. When we bought our house my dad lent us £34k (deposit plus a bit of fees,...
View ArticleSelf build mortgage or normal mortgage
Hi everyone, I'm after some advice. I've found a property I would like to buy. Problem is, it's just a shell. There are rooms, but no bathroom, toilet, kitchen etc. I can't figure out if I need a...
View ArticleLiving in the USA, interests in UK
We moved to the USA in Dec 2008 in our late fifties and live in Atlanta. We are established now and our daughter lives quite near us as she is a citizen through marriage. I often find I need advice on...
View ArticleStopped paying mortgage and moved out
Hi My brother in law was recently involved in a serious accident and was unable to live on his own anymore. We temporarily moved into his flat and undertook the mortgage payments (paying into his...
View ArticleDoes this mortgage switch make sense?
I am on the Halifax SVR (currently 3.99%). I have a LTV of 43% according to them (though I officially am on shared ownership, which in my calculations tips me about half a % under 75% LTV but). They...
View ArticleAbbey - Mortgage/Slow Problems
Dear All My partner and i have applied for a mortgage the company who came out with the best deal via our financial advisor was Abbey. The FA did the sums and concluded that we could easily afford the...
View ArticleInherited A Property but...
My wife is about to inherit a house from her granddad who has passed away. He left a will asking for the house to be left to her and everything else shared with other family members. He has a small...
View ArticleShortfall in funds
Hi. My mother passed away in March and I am very shortly receiving the first part of my inheritance from my mother's investments. We also have to sell her bungalow, which is proving rather difficult at...
View ArticlePO 5 year fixed mortgage - new builds applicable?
Hello all I've been shopping around for a good deal. At present, I can only really afford a 5% deposit on a property around £300k or a 10% deposit on a property around £250k. A property hasn't been...
View ArticleBank says overpayments mean my monthly payment has to reduce - correct advice?!
We remortgaged in August last year, onto a 2 year fixed deal. The contract that we signed specified what our monthly payment would be, and also said that we could overpay up to 10% of the balance each...
View ArticleHalifax Full Application
Hi all, new to the forums... I'm currently waiting to hear from the Halifax on my full application, on a 95% LTV New Build... Full application was submitted just over 3 weeks ago, bank stats, P60's and...
View Articlemortgage transfer
Hi Members, I am in a dilemma, I currently have a joint mortgage with my wife and have had the mortgage for 15 yrs. last year our marriage was going through some difficulties and we separated for 6...
View Article