Interest Rate Formula?
Hi guys What is the Interest rate formula of this sample below?, Code: Mortgage. 250,000 Term: 30 Total interest paid: $285,340.18 compound: semi annually What is the interest rate? Thank...
View ArticleMortgage Valuation Advice
Hi Everyone In need of a bit of advice as i'm pulling my hair out here. Got mortgage approved on a house subject to valuation (credit checks etc all fine). Solicitors are involved and draft contracts...
View ArticleMortgage application- payslip address
Hi Apologies if this has been asked previously- I did try checking as many threads as I could with no success! I'm not sure if I am being overly cautious/pessimistic, but my question is- how important...
View ArticleFTB - Please advice
Hi, I am an FTB and had recently accessed my credit file on Experian and Equifax. Bit disappointment with the report from Experian. The scores are good 950 on experian and 470 on equifax. I currently...
View ArticleTenants in common mortgage
Hi, Ive been a long time lurker in the forums but thoughtI should take the plunge and seek a little advice before embarking on a movewith my partner. We are currently looking to buy a house for...
View ArticleFirst time buyer saving for a mortgage, advice needed!
Hi everyone My husband was lucky enough to receive a PPI repayment which means next month we can pay off our credit card! :j We have a loan we are going to over pay on after the credit card is gone and...
View ArticleBuying out my partner in a joint mortgage
I have a joint mortgage with my partner, we have now split and I want to take on the mortgage. Some rough figures House value £157K Mortgage left £75K Paid off £82K So I need 41K to buy my ex out. The...
View ArticleFirst Direct Offset - 5 Year Fix Coming To An End
5 years ago a lot of people on this forum took out the five year fix for 4.99/5.29%. I was just wondering what you are deciding to do now that the fix is coming to an end? I can't remember the last...
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Bank's Panel of Solicitors
Hi guys - reposting over here from the housebuying board after a suggestion from a friendly forumite :-) Hi guys I have read through similar threads, which lead me to want to ask for your collective...
View ArticleStudent loan confusion, Nationwide change form required - any cause for concern?
Good evening to you all, I'm a first-time poster seeking a little advice. My girlfriend and I are in the process of buying our first home and today, we received an email from our solicitor advising...
View ArticleMy Mortgage Plans QUESTIONS ?
Hi! I have been planning to build on my mortgage plans. I need to find out which of the following ways would be better for me and my family. My current mortgage was one of the last 100% borrow deals...
View ArticleA way onto the ladder?
Hoping someone on here can help! Not sure if any of this is possible so would value opinions from those who know so much more than us. We have approx £10k left on our mortgage and the house is worth...
View Articlecemap study material?
As some of you may remember I am studying for the cemap. I've been cracking on with module one of late. I just realised my study materials have indeed 'expired' as I bought them off ebay. they go from...
View ArticleRemortgage from Fixed rate
Hi all, Looking for a bit of help to validate my way of thinking with regards to moving away from one fixed rate mortgage to another. Currently with Abbey on a 10 yr fixed @ 4.99 per year, monthly...
View ArticleThinking to the future....
Hi All We're trying to get ourselves into a position so that we can move in the not too distant future. We currently have a mortgage with NRAM and an unsecured loan. We also have secured loan with...
View ArticleBank switch, Re-Mortgage
Hi, Could anyone out there advise me about Time with your bank and re-mortgaging please. Basically I want to switch banks as I'm with barclays. However, next year I will need to re-mortgage and was...
View ArticleBest time to complete - first payment wise
Just received our mortgage offer today with a hypothetical first payment amount if we completed on March 1st, its £650 more than the other payments. Is it true if we complete at the end of a month, the...
View Article1st Time Buyer Mortgage Application
Hi All, We have recently applied for our 1st mortgage on a new build with Nationwide. They cannot offer us the amount we needed, because my wife's employment is on a zero hour contract, although the...
View ArticleCapped morgage deals?
The MSE FTB mortgage guide says the following about "capped" mortgages. I've not found any further information about this in my searching so far, and I'm interested in this kind of deal. Can anybody...
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