offset mortgage- pay off or keep the money
Hi I have £160000 outstanding off set fixed rate ( 5 years) mortgage with £45000 in offset account Iam paying £ 900 per month I have another 15 years to pay will it be better for me to contribute to...
View ArticleIVA settled early and now needing a mortgage
Hi all I sadly found myself in an IVA 3 years ago having been made redundant, childcare fees etc etc. Good news is that 3 years on I have settled my IVA early and paid it off. I am now waiting for my...
View ArticleFTB help please
Hi, I just registered if i could get some help by some of the experts here. this is my first time so please be kind to me! :) I am a first time buyer, gross inc of 42k, I work as a sales co-ordinator,...
View ArticleDo I actually NEED a buy-to-let in this situation?
I currently live in a house I own outright (without any mortgage) which is valued at approx. £110K, and I want to raise a 70% mortgage on it to release some capital for a new purchase... And then move...
View ArticleURGENT HELP REQUIRED! Mortgage Approved By Bank - Declined By Underwriter.
Myself and my partner recently had a mortgage approved by our bank, we have borrowed under the amount we require because of the deposit we have managed to put together. When it came down to the last...
View ArticleTransfer of equity advice
Hi My partner is currently on a mortgage with his ex and now I want to go on the mortgage. He has a poor credit score and mine is good. I have monthly commitments of about 500 a month but earn 27153...
View ArticleOffset buy to let
Hello all Does anybody know if I can get an offset buy-to-let mortgage if I don't have another property to secure against the loan? Our situation is this: We own a one bed flat which we moved out of...
View ArticleOnline Mortgage Disappeared
My mortgage account has disappeared from the Halifax online banking. Has anyone else has this? Just wanted to check before I phone them..
View ArticleMortgage valuation completely wrong, refusal to revaluate! Help!
I bought a flat in 2010 for £70k, I made a very low offer to a desperate seller as it was on the market for £95k. At the time it was in very basic condition and needed new everything (b.room, kitchen...
View ArticleShould I cash in endowment to clear credit card
My husband and I have a mortgage with 11 years left to run and was originally and endowment mortgage but since changed to partial repayment - currently stands at £100,000 and is split that £30,000 is...
View ArticlePayment Holiday
Hi All, The Wife and I are coming to the end of our two year term with RBS and are looking to remortgage however, with plans to start a family in the next year, are looking to arrange a mortgage which...
View Articlebuying 2nd property to live in, and keeping 1st to let - help, where to start?
considering upgrading to bigger house but want to try and keep our existing family home and rent it out. no idea where to start on best way of financing the purchase and accessing existing equity in...
View ArticleFirst Time Buyer
Hi All, Me and my partner as pursuing purchase of a new build property on the government scheme FirstBuy (please no comment on this, it works for us). We are looking at purchasing a property at...
View ArticleMortgage deal coming to end - value of property?
We bought our first house 3 years ago, and the current mortgage deal runs out so I am shopping around for a new mortgage. What I am a bit confused about is do you need to have your home revalued if the...
View ArticleFTB Mortgage - 3 Months Statement
Hi All I am in the process of getting my mortgage sorted out. I need to provide 3 months statements which show my wage going into my account.. my question is: does the statement have to show every...
View ArticleCan I delay settling mortgage to avoid ERC??
I want to put my home on the market but my fixed rate mortgage deal doesn't expire until 30th September. I'm not making an onward purchase, so my question is: if I sell my property before then and am...
View ArticleJoint mortgage and a guarantor.
Hello First off let me say I'm pretty new when it comes to understanding mortgages so any help would be great. Here goes; Me and me partner are both saving for a deposit and we have worked out we can...
View ArticleHSBC Tracker products - 60% a bit sparce
I'm currently with HSBC on an 80% LTV product, looking at injecting some savings into the mortgage to bring my LTV down and get a better rate. Looking on their site, the best rate on tracker seems to...
View ArticleQuestion regarding kensington extension?/or options?
Hi thankyou to all replys in past, Have posted before about options regarding outstanding mortgage approx equity 300k mortgage intrest only 142k only 5 years left so no way to pay. Have spoken to...
View ArticleAm I missing something re these rates?
I am looking at two different rates that Nationwide have for current account customers and I am confused as one seems so obviously better than the other. They are both 4 year fixed rates as follows:...
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