Calculating my monthly payment
This seems like a simple question but I can't get my tiny brain to figure it out!!! I am due to finish my fixed rate with nationwide and my research tells me it is best to go onto their BMR at 2.5%...
View Articlewhen to move the money out of offset
Hi all, so basically thanks to your advise i am now 100% off set, :j so my question is when do i draw the money out of the off set account to keep it level with the outstanding mortgage balance A) draw...
View ArticleMortgage Endowment Assigned
Hi. We have a Mortgage Endowment which is due to mature in couple of months. It is currently Assigned to a lender (NRock). However the mortgage is not due for redemption for another couple of years. Is...
View ArticleA little advice please
Hi just after a little advice to help us plan for our future remortgage. My wife is due to go on maternity leave this July and our 2 year mortgage deal with ING direct ends beggining of November this...
View ArticlePCP Affect On Mortgage Application
Hello, Myself (23) and my fianc!e (21) are looking purchase our first house in the next 6-18 months. We'll be looking at a property costing around £130,000, and currently have £13,000 saved up (so...
View ArticleLIBOR fixing
In the light of the PPI issue maybe people who had a mortgage linked to the LIBOR rate should receive compensation
View ArticleFirst time buyer Mortgage advice
Hello, I'm in the processing of purchasing a flat for 390,000. I'm looking at 85% LTV mortgages. My bank (First Direct) has offered me a fixed 2 year @4.49%. (APR 3.9%) Now my question - since I've got...
View ArticleFirst time buyer needing help!
I have decided change my career and have got a new job in the south of England. I currently live in Newcastle and have worked in my current job for 5 years. I have got a new job in Portsmouth and Im...
View Articleassumption agreement
Hi every1, my father has recently passed away, am after some advice on his property, am the main executor and would like to take over the family home, there is a outstanding mortgage of £65, 000, house...
View ArticleEnd of fixed rate to Interest only
My fixed rate is up in June this year, with about 79% left to pay is it possible/worth it to switch to interest only for 1/2 years to free up some cash for savings?
View Articledo you have to tell the mortgage company if
you rent your house out? i have read that sometimes they try to increase the price of the mortgage and it could invalidate the house insurance. anyone any experience and let me know what it is like...
View ArticleCountrywide/Bridgfords 'stealing' payslips?
Hi there, My husband and I are first time buyers and when looking at houses through Bridgfords I was roped into seeing their in house mortgage advisor from Countrywide. Initially I was impressed as I...
View ArticleWhere to put money between receiving endowment and paying off mortgage
The endowment has matured. There is a gap of approximately one month to 6 weeks between receiving the endowment money and paying off the mortgage. Where is the best place to put that money inbetween...
View ArticleHow do I get my house revalued for a remortgage?
Hello, My partner and I bought a house for £200,000 and had a 20% deposit (£40,000). We have spent £35,000 refurbishing and modernising the house and it has been suggested to us by an estate agent...
View Articleloyalty does not pay
i am coming to the end of my fixed rate deal with S*****der, I rang them to check what rate they could offer but they said the standard rate (4.24%) was the best i can get. My mortgage is only 34k and...
View ArticleNationwide haven't issued NEW offer letter
My mortgage application has been accepted. However, I recently changed my mortgage rate to new cheapest one and paid product fee via credit card this week Monday and the money has been duducted from my...
View ArticleLiving alone, taking on the mortgage alone
Hi All, My ex and I bought a house via the Shared equity scheme. We don't have to pay them back until 10 years time thank goodness. We have recenlty seperated and I have taken on the mortgage payments...
View Articlecancelling joint financial link
Me and my partner have a joint acc that is getting cancellled this weekend- he is being removed from the account. Thus we wont have a financial link anymore. Am i right that if i contact the credit...
View ArticleRolling credit checks
We signed our mortgage deed on Tuesday... finally!!! But there was a note on the bottom of it saying that - and I quote - "lenders are conducting rolling credit checks and can refuse to issue a...
View ArticleSantander won't give me another fixed deal
Santander sent me a letter to renew my fixed rate mortgage as from May I will be on the standard variable rate. However because a credit risk due to a few default (not with themselves) they wont fix my...
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