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how can i buy a house without a mortgage

has anyone got any advice on how we can purchase a new home without a mortgage.i have ms and now i desperately need to move into a bungalow.we own our home outright ,but we cannot get a mortgage as my...

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Aviva Endowment

I received a couple of letters regarding my Aviva endowment over Christmas and just getting round to reviewing them. I've listed what I think to the the pertinent info below. Target Value = £56,950...

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HELP! Negative Equity Move is it possible

Evening Guys & Girls, So cutting a very long story short, my partner brought a 1 Bed Flat in her own name back in 2007 (Advised at the time she didnt do this but would not listen) she was only 19...

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Foreign residents... quick one for the brokers

Hi I've been approached by a relative (UK national) who would like to get a BTL mortgage whilst still resident abroad. Can anyone confirm my feeling that no lenders want to know?

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credit rating and mortgage?

I have been checking my credit report lately and apart from 1 late credit card pymt over a year ago, all looks excellent. My partner however, has a lot of missed pymts which look atrocious but occured...

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First time buyer - second mortgage application advice

Dear all, I’am a first time buyer and I have recently applied formortgage with Britannia for 90%LTV. The house I’m buying is 2008 built andstill got 6 yrs of builders warranty left with it. I do have...

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miss sold endowment offer . santander

I have a policy running from 1990 to present , on a 39,000 mortgage , i was told by some people that i had missed the deadline , but i thought i would send a letter of complaint anyway , and today i...

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Question about 2.54% fixed rate mortgage

Hi everyone, I'm currently looking at mortgages in preparation to buy in about 6 months. I'm a first time buyer and want the security of a fixed rate to begin with. I will look to get a mortgage 75...

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Mortgage hearing adjournment

Hello, I wondered if any one could offer advice as to why First Plus have asked for an adjournment on the court case that is dealing with the reposession on my house on 22nd Jan with regards to a PPI...

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Endowment shortfall

I am looking for some advice regarding our endowment mtge which is due to end next year. Our repayments are currently being met by DSS as we are on benefits, we cover the monthly small shortfall. Our...

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2 mortgages on one property

I currently have a mortgage on my property at a great rate and have permission to extend my property. To carry out the extension I need to raise capital that I have as equity but would like to keep my...

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Redemption figure - sanity check required please

I've got an update redemption figure for our mortgage and the numbers dont tie up in several ways so would be grateful if someone knowledgable could check them. **Update** - I think we now understand...

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HSBC & New Build Rules

I'd like to borrow some expertise from the forum to deciper HSBC's policy on new builds. This is taken directly from the HSBC Mortgage FAQ Quote: A New Build Property is defined as:a building that has...

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Mortgage lender pulling out after exchange

I have just exchange contracts last week and are planning to complete in 4 weeks time, though I have heard that the leader will do a bankruptcy check during this period. Though neither my partner - who...

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Remortgage at end of fixed term, adverse credit

I have just come to the end of a 2 year fixed term with my mortgage provider, which is one of the largest in the UK. During the fixed term and since the beginning of the mortgage relationship over a...

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Moving to 2nd home, high LTV help

Hi All, I would like some advise on my situation, i am pulling my hair out and think there may be limited options left to me other than sell up, call it quits and go back to renting. Back in 2009 my...

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Borrowing against house

I've got quite a bit of equity in my house and I want to borrow £25,000 to pay off our overdrafts and credit cards. What do I say if they ask me what the money is for? Do I say I've got loads of debt I...

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Using overdraft to overpay mortgage

My current account has an agreed large overdraft limit. I am thinking about overpaying my mortgage to a degree which will mean that I am overdrawn every month. The idea is that once the mortgage is...

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Do I pay off my mortgage sooner rather than later?

Hi This may have been asked before so forgive me if it has. My question is if I can pay off my mortgage in 2 years time is it best to pay off or keep the payments going until the term ends? We...

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Nationwide Mortgage application, survey booked and conveyncing services -...

My mortgage in principle was initially accepted followed by full application with Nationwide (still waiting for decision). I applied through broker. Now my new house suvey has been booked for next week...

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