Which do you think?
I have a quick question. 2 years fixed rate @ 3.05%, or 5 years fixed rate @ 3.65% 2 years works out £50 cheaper a month while 5 years gives me peace of mind in case interest rates rise.
View ArticleWhat is 'Capitilised Interest'?
I borrowed back some funds from an overpaid (Interest 0nly)mortgage last year. I paid back half of the borrowed amount in Dec. Ihave today recieved an annual statement wich shows a debit figure of...
View Articlerealistic chances of getting a mortgage
Hi All, Am a first-time buyer and viewing properties to buy. I earn around 30-31k per annum. My parents and friends are going to help me fund my deposit (10% - 20 %). I tried few calculators online of...
View ArticleNationwide mortgage overpayments
Hi all, I have a nationwide mortgage fixed for 5 years on a repayment basis and want to overpay. I have looked on their website and I can overpay upto £500 without incurring any charges. However, it...
View ArticleGetting a mortgage after a DMP
Hi, i am currently on a DMP with step change, which involves 12 different companys ranging from CC's to PDL's :( But i am fortunate to have them all accept a payment plan and one by they will all be...
View ArticlePlease share your views with the re-mortgage deal
Please do advice as to which option is better, Thank you. We have a mortgage with Woolwich and are completing the fixed rate period on 28th Feb 2013 and are moving to a 2.49 + bank of England rate=...
View ArticlePlease help - Desperate
Hi, I am really hoping someone here can give me some advice as Iam desperate. Mum and I lived together and she passed away a month ago. We livein a house valued at apx £180,000 and there is £50,000...
View ArticleForeign National Mortgage Issue
This is going to sound complicated but please bear with me. My husband (British citizen) and I (US citizen but UK permanent resident with ILR since 2009) have just sold our house. We have had an offer...
View ArticleHelp please
My son partner has left him just after they signed for a new house. Santander has refused him a mortgage in his own name as his credit score is fair as he has no credit cards etc. As parents web are...
View ArticleLooking to get a mortgage but I have an old default
I have an old default which is removed from my file in March 2014 so my original plan was to wait until then before getting a mortgage, however my tenancy is up in June and I will need to move out of...
View ArticleQuestion regarding a Joint mortgages and ending it
Currently I have a join mortgage with a friend on a house and its about to come to the end of a two year fixed period. However my friend has decided he wishes to part ways. Now I don't really fancy...
View ArticleProof of Deposit
Hi, I have been reading up on this a bit and understand it's very important I declare where my deposit came from and show proof of it. Where it came from isn't entirely simple (but legal). Before I...
View ArticleMortgage for family.
My mother is selling her house for around 100k and would like to buy a house that is 140k. She does not have the extra 40k or the ability to get a mortgage due to age. I would like to get a mortgage...
View ArticleBuy to let advice - funds for deposit
Hi, just looking for some advice on buy to let mortgages, I will explain my current situation... I have a repayment mortgage on a house I live in, mortgage is approx £50k and current value of house...
View ArticleSwapping house with parent - is this possible?
Hello, My mother in law has offered to swap houses with my husband and I. She said she wants us to have our inheritance now rather than when she dies as she is keen to get us out of negative equity (we...
View ArticleMoving Home Mortgage
Hello I am looking to put my current house on the market and Halifax have advised I can port my current mortgage (which I fully understand is about interest rates not transferring the debt to another...
View ArticleMortgage pickle
Hello, I have a property with a £110k interest only mortgage (90% LTV). I believe it is in negative equity to the tune of £40k. I am currently employed by a bank and therefore have a staff mortgage....
View Articleis it possible for a mortgage provider to change
is it possible for a mortgage provider to change your mortgage into one that is portable is this able to be done easily as at the momment ours isn't and as it is we are with possibly with the worst of...
View ArticleFTB - mortgage on flat above shop?
Hi all, Long time browser, first time poster here :) Basically, me and OH are looking at getting our first place. We've found a rather large 2 bed flat near us which is going to auction in feb with a...
View ArticleNew job and no credit rating for financial associate
Hi all. Love the forum! Hope you guys can offer some advice..... I am looking to apply for a mortgage in the next few months. I have £50k deposit (20%), and looking to buy a £250k house. I previously...
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