So if we fix for 2 years...?
... Would we be best off overpaying like mad for that time??? I'm thinking that if we only pay the basic repayment each month then come the end of the 2 year deal we won't have paid much off the loan...
View ArticleFirst time buyer mortgage advice
Howdy folks! :) We are finally taking the plunge and looking to buy our first home, therefore I have been doing my best to look into all of the different information and find the best mortgage deal for...
View ArticleCredit file clean up success :)
I first obtained a copy of my equifax and experian credit reports in October 2012 in preparation for applying for a mortgage at some point in 2013. On there was a 'deliquency' balance of £1 from O2...
View ArticleMortgage wanted - no current income
Hey, I'm currently a student about to graduate, I've secured a job that starts in september on 26500 per year with likelihood to rise every 6 months. My job is in a new location, and id like to buy a...
View ArticleDLA question on Mortgage
Hi all I'm hoping someone knowledgeable will help me. I've recieved a question back on my mortgage application regarding a DLA payment that goes into my bank account. This is for a long term illness. I...
View Articlewhats my options
Hi Been on the sick with depression, works paid me in full for a while but now I'm on half pay, going to struggle to pay my mortgage what can I do? dont want to end up with my credit score being...
View ArticleBank of Ireland & Post Office
After the current debacle with Bank of Ireland increasing its base tracker rate from 0.5% to 4.49% to it UK customers (based on small print on a mortgage taken 20 years ago.) However what is not being...
View ArticleIs my new home refurb or new build?
This sounds like a stupid question, but even my potential mortgage lender isn't sure! I want to buy a house which is part of a development of new build and refurb properties. The property I'm...
View ArticleLetting a Negative Equity property
I have a situation and im not sure what is the best way to proceed forward. I bought a flat on a 100% mortgage, 5yr fixed rate. I lived there for about a year until i met my girlfriend. Living there...
View ArticleResidential Mortgage sold on a commercial property
In 2006 my wife and I bought a property in Wales on a residential mortgage. We new it used to be a B&B however hadn't been used as one since 2000, we decided to put it on the market in 2008 we had...
View ArticleFast track remortgage
I am looking for a fasttrack mortgage, had one last time with santander, interest only. I overpay. Any good deals out there? Owe 145000 value is approx £210000 never missed a payment in 7 years. Many...
View ArticleNationwide Mortgage
Hi, I'm a first time buyer and also new to this thread. I just wondered if any one had some advice/experience of using nationwide as a lender? My girlfriend and I had an offer accepted on a maissonette...
View ArticleNationwide mortgage question
Hi, Does anyone have any experience in how long the finance took to come through to the solicitors. Our solicitor has said that Nationwide normally take a while to transfer the money and we can speed...
View ArticlePassed soft search app
Today I spoke to a mortgage advisor, gave my details and he carried out a soft search with halifax. Got back to me later to say I had been successful and could potentially borrow much more than I...
View Articlewoolwich application , how long?
just wondering if anyone else here is currently waiting on a woolwich mortgage applicaton. Im hoping to move and applied to port my mortgage a week ago.im wondering how long they are currently taking...
View ArticlePort a mortgage when retired?
Hi my mother is currently the sole name on a mortgage were the initial rate has expired and it has reverted to the SVR but still has many years to run. She is considering changing property to something...
View ArticleThanks
Just thought I'd say thanks to everyone who contributes on here and especially those who have taken the time to reply to my blindingly obvious (to some but not me unfortunately) questions that I've...
View ArticleFTB/BTL when living in tied accommodation
Hi, I'm new to the forum, though am an avid user of the website. I am a financial dunce (though don't fare too badly to be fair!), but particularly where mortgages are concerned as we are fortunate...
View ArticleRepaying a credit commitment
Hello, Since a previous post a number of weeks ago, we have submitted a mortgage application to Accord via a broker. The application was submitted last Tuesday and today we had a valuation of the...
View ArticleFirst Mortgage Payments
Before anyone says 'best talk to you mortgage lender', this is more just to get it off my mind and some excellent MSE advice ;) Let me put it into bullet point, Monthly mortgage payment: £700 Next...
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