Small Mortgage against part owned house
Hi guys, I was wondering if anyone can point me in the right direction, or tell me if i'm wasting my time. I own a third of a house (other 2 thirds owned by sibling and parent) worth approximately...
View ArticleMortgage Repayment Calculations
I am currently building a small widget that calculates exactly how much of your mortgage you have paid off on any given day (inc. how much interest you have paid and how much you have left to pay) but...
View ArticleTurned down for Remortgage - what now?
My partner's fixed rate mortgage ran out about 6 months ago (was first-time buyer 2.5 years ago) so she's paying more than she'd like to each month now. She applied for a Tesco 2 year fixed, went...
View ArticleDeed of Absolute Assignment
My wife and I were divorced 10 years ago. Endowment policies at that time were valued and formed part of our statement of financial whatsits. We agreed that 60% of the value of our whole estate went to...
View Articlecomplicated situation
First post, so I really hope someone can help. My situation is that I hold POA`S ( property and affairs) for both my parents. They have a property worth £325000 which they wish to transfer to me. A...
View ArticleAm I Understanding Overpayments Right? Confused :)
Hi ladies & gents, Apologies in advance if this is in the wrong area. My husband and I took out a mortgage 2 years ago with Halifax over a 35 year term (first time buyers) at a crazy rate of nearly...
View Articleremortage advise please
Hello I hope someone can help me we have a mortage with santander at a current rate of 3.79% our fixed ends in may and they have offered us a rate of 3.99 for 5 yrs and 3.49 for 2 yrs , I have shopped...
View ArticleProof wanted.
Hello, my mortgage lender has requested proof that we will be able to pay off our endowment mortgage in 2017. We have paid monthly since 1992 with out default. I submitted details of my and my wifes...
View ArticleInterest Only mortgage, fixed term and Early redemption charges
Hi I am being a bit thick and was hoping someone could help; We are 17 months into a 36 month fixed term IO mortgage. We want to sell but will suffer an ERC of £4200! If we wait until the term has...
View ArticleHSBC Joint Mortgage Rejection - no reason given!
Hi All Hoping for some advice and guidance after we were flat rejected (not even passed to underwriters) by HSBC for our joint mortgage, despite the first meeting with HSBC going very well and being...
View ArticleMortgage Options
Hello I have a mortgage which is on an interest only basis. I have 19 years left to run and currently owe £140,000. My current monthly payment is £285 a month and I rent the house out for £600 so clear...
View ArticleMortgage advice after a DMP
Hi, Looking for some advice i went debt free in March 2012 and then sold my house in Nov 12 and moved into rented property, would now like to buy again are there any lenders that will consider me now...
View ArticleShould i complain?
In november my wife and i went into Halifax on the high street and asked for a mortgage. We recieved an AIP and started to look at houses. After seeing the house we wanted and having an offer accepted...
View Articletransfer of equity - affordability
I have a Halifax joint mortgage with my ex, looking to do a transfer of equity and remove him from mortgage and title. He hasn't contributed anything at all to the flat and he is willing to sign it off...
View ArticleOverpayment vs Stashing the same amount into an ISA
Another question, I was talking with a friend who told me that he was recommended by an IFA to overpay his mortgage but into an ISA that has an higher rate than his mortgage. The idea being that when...
View Articlemortgage with poor credit score
Hi I have just found a house that i like for £39000 but I only have a 5% deposit and i also have a low credit score from being linked with an ex partners debts!Does anyone know of any deals that may be...
View Articlemortgage with low credit
Hi I have found a house that I would like to buy for £39000 but I only have a 5% deposit and a low credit score.I was wondering If anyone knows of any deals that may be available? Thanks
View ArticleBonus & Endowment surrender
Hi there I was hoping that someone may help. I have decided to surrender a unit linked endowment policy as I need to use the money and it hasn't done as well as hoped. I have held the plan 12 years....
View ArticleING Mortgage in principle referred to underwriters
Hello, Im a first time buyer try to get a mortgage with my girlfriend for 75% LTV. I had an AIP with Leeds BS but their rates have change since applying so I went to get a mortgage with ING, and its...
View ArticleDo Tax Credits count as income, and other question
Hi I am a potential first time buyer and, although I won't be in a position to get a mortgage for a while, I have a few questions. Do Tax Credits count as income for mortgage purposes? As a freelance...
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