NRAM Mortgage and loan means no negitive equity
i called today to pay my monthly payment and got chatting the the lady on the phone. im in a bit of a sad place when it comes to property. in Aug 2007 the housing high i took out a 101% mortgage 180K...
View ArticleBuying a new house - Do I need to tell the bank?
Hi all, Quick one - we own a flat on a good mortgage rate and are keen to move. We've found the house we want and have had an offer accepted. We've also found a mortgage lender who may lend on the...
View ArticleSecured loan/morgage for over 70s
We wish to "buy" our daughters flat so she can be a cash buyer for a house. We have two unmortgaged properties of our own. Is there anyone who might give us over 70s with good income a short term,...
View Article0.68% + 2.35% should I re-mortgage?
I took out an interest only mortgage 5 years ago and was wondering if it is a good time to re-mortgage now to start paying off the mortgage? The base rate is 0.68% + 2.35% a total of 3.03% which makes...
View ArticleCredit/Mortgage Eligibility Question
Hello all, first post and was wondering if anybody could give me some facts/advice due to the slightly unique situation I am in and the fact I cannot get a straight answer from anybody I ask, whether...
View ArticleHalifax Consent to lease
Hi, Looking for some advice. My wife and I are currently trying to move house but are finding it very difficult to sell our home. We've started thinking about letting out our current home in order to...
View ArticleNew Job & Mortgage Eligibility
The new year’s almost upon us, and with it there may be a chance of my getting a modest promotion at work. It’d be a small move within the same Company (and same office even) where I've worked for over...
View ArticleMortgage sense check please
My first post after months of reading the forums... My current 3 year fix mortgage with Nationwide (at 5.74%) is coming to an end in a few months and I have the option to switch my mortgage online to...
View Articlemortgage advisors/ brokers?
We are looking for advice with finding a mortgage. We are first time buyers and are looking for a 95% mortgage. We have practically no idea or knowledge on such matters and so are very confused! Any...
View Articlewill starting an extension ruin LTV?
Hi all, i will try to keep this as brief as possible and would love some advice from anyone on here with a little more knowledge than myself... I bought a house 2 years ago which was in quite a bad way...
View ArticleMoving house as a ltd company
My husband and I already have a mortgage on our house and have lived here for 6 years. He was already self employed when we took the mortgage out, but in April 2012 he became a limited company. Is this...
View Articlemortgage application with current bank
Hi, Can anyone tell me if we will have to provide pay slips with our mortgage application. We both bank with RBS and have done for at least 7 years. salary paid into this bank and also we have a...
View Articlemortgage application with current bank
Hi, I was windering if anyone can help me. We have applied for a mortgage with our current bank, RBS, we have banked with them for at least 7 years. Salaries are paid into and we also have a mortgage...
View ArticleWhat mortgage company will accept me with a default?
Hi, 4 years ago I ended up with a default on my O2 account for £650. This was paid in full and satisfied in Oct 09. I have a secure job (local authority 10 years) earn £30k and have lived at the same...
View ArticleMortgage arrears - help please?
Hi, I have a visit scheduled by an advisor to discuss my mortgage arrears on my main mortgage at the end of this week. The man has been in touch and said he our other BTL lender have asked him to come...
View ArticleMortgage help/advice
Right so I never thought I'd want to get a mortgage but now I have change my mind. We currently are saving for a holiday so can't start saving till September 2013. My mum has said they help us but not...
View ArticleMortgage with an ex? Long story, sorry in advance!!
Hi Everyone, firstly I would like to apologise in advance for the long story! My husband bought a shared ownership house with his then partner in May 2000, she left him in January 2001 and we met &...
View ArticleNationwide save to buy 5% deposit mortgage small default game over?
Sorry really long post......... Hi I was after some help my husband is looking to apply solely to nationwide for a mortgage for £118k for a property worth £125k so he has just over the 5% minimum...
View ArticleNew credit after mortgage offer
Hello. I have just received my mortgage offer from Halifax but i would like to extend my overdraft before completion. I do have all my funds to complete so this has nothing to do with the purchase....
View ArticleFixed term mortgage
Hi, I have a two year fixed term mortgage, which ends in October 2013. After this I will need to re-negotiate my mortgage. I currently have my mortgage with a sub-prime lender because I had a bad...
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