General Discussion: mortgage help


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MrPlatinum
MrPlatinum avatar

8939 posts since 24/2/04

29 Jan 2008 19:04
Over Christmas I bumped into this twat I who went to my school whilst out one night. I did the usual "Hi mate, nice to see you, I see you're still doing exactly the same thing 7 years later, well done you" sort of chat. He said nothing, but just pulled out a community police officer badge and held it up to me acting the big man. Even the freshen up guy felt sorry for him.
Noble Locks
Noble Locks avatar

66963 posts since 10/7/03

29 Jan 2008 19:09
apols to veer off topic but…

they are a breed those types, people who toot and scream at you when your on your mobile when driving (i ALWAYS stop wind down the window and say "Fuck off you cunt, are you the old bill, ill get out and stick this up your arse if you dun fuck off out my face), they are also the same people who hogg the outside lane of the motorway doing 70 cos thats the speed limit and they feel its their duty to stop anyone breaking it. (i fucking love going round them undertaking them at about 120 tho, so i quite like them ones) Laughing out loud

in fact, i dun hate these people i love them, cos ruining their week is so easy and i love doing it.
sofasogud
sofasogud avatar

5198 posts since 13/3/03

29 Jan 2008 19:57
Noble Locks wrote:
t_dot wrote:
Flipper wrote:
Noble Locks wrote: everyone can get a mortgage for about a one fpayment of around £1500 (a grand for the broker and a monkey for the dodgy pay slips)…i can get anyone on here a mortgage in any name they want, id prolly get one for my dog if i really puushed it with my man and paid a little bit more than the 1500.

You should be prosecuted. Ever heard of fraud ?
you should be banned
Laughing out loud he must be one of those community officers, they cant get in the police, so they do it for free just to feel important.

They are so laughable. The local scrotes know they can't do anything so they act up even more.

Well done Mr Brown.
sofasogud
sofasogud avatar

5198 posts since 13/3/03

29 Jan 2008 19:59
Flipper wrote:
Noble Locks wrote: everyone can get a mortgage for about a one fpayment of around £1500 (a grand for the broker and a monkey for the dodgy pay slips)…i can get anyone on here a mortgage in any name they want, id prolly get one for my dog if i really puushed it with my man and paid a little bit more than the 1500.

You should be prosecuted. Ever heard of fraud ?

PM Derek Conway
Post Punk
Post Punk avatar

624 posts since 1/5/06

29 Jan 2008 20:12
andymakesglasses wrote: you moving into Aberdeen then?

I'm looking at Edinburgh, but I don't know if I can afford it Laughing out loud Cry

C'mon Andy, you know it makes sense!! Smiling

You just have to hunt about a bit, there's (relative) value to be had if you take your time looking. Prices aren't going to drop here either so while you wont' make as much as if you bought 5-10 years ago, you won't lose anything. Demand's way too high (10 year projected population growth of about 20% versus overall population loss for Scotland).
mr.white
mr.white avatar

17101 posts since 10/7/04

29 Jan 2008 20:21
Noble Locks wrote: apols to veer off topic but…

they are a breed those types, people who toot and scream at you when your on your mobile when driving (i ALWAYS stop wind down the window and say "Fuck off you cunt, are you the old bill, ill get out and stick this up your arse if you dun fuck off out my face), they are also the same people who hogg the outside lane of the motorway doing 70 cos thats the speed limit and they feel its their duty to stop anyone breaking it. (i fucking love going round them undertaking them at about 120 tho, so i quite like them ones) Laughing out loud

in fact, i dun hate these people i love them, cos ruining their week is so easy and i love doing it.

Laughing out loud
Flipper
Flipper avatar

487 posts since 2/1/07

29 Jan 2008 21:17
Noble Locks wrote:
t_dot wrote:
Flipper wrote:
Noble Locks wrote: everyone can get a mortgage for about a one fpayment of around £1500 (a grand for the broker and a monkey for the dodgy pay slips)…i can get anyone on here a mortgage in any name they want, id prolly get one for my dog if i really puushed it right up my man and paid a little bit more than the 1500.

You should be prosecuted. Ever heard of fraud ?
you should be banned
Laughing out loud he must be one of those community officers, they cant get in the police, so they do it for free just to feel important.

Silly boy. A couple of days ago you were getting on your high horse telling me not to give out denim advice in case some fuker got the wrong size. Yet here you are offering any tom , dick and arry a mortgage that they'll never be able to pay cause you the man. Dont tell me you work for Northern work ?
San
San avatar

10493 posts since 14/11/05

29 Jan 2008 21:17
Noble Locks wrote:
t_dot wrote:
Flipper wrote:
Noble Locks wrote: everyone can get a mortgage for about a one fpayment of around £1500 (a grand for the broker and a monkey for the dodgy pay slips)…i can get anyone on here a mortgage in any name they want, id prolly get one for my dog if i really puushed it with my man and paid a little bit more than the 1500.

You should be prosecuted. Ever heard of fraud ?
you should be banned
Laughing out loud he must be one of those community officers, they cant get in the police, so they do it for free just to feel important.

Laughing out loud Laughing out loud
In the same boat as noble: i can hook up mortgages, waiver of certain fees etc.
robii
robii avatar

18857 posts since 8/9/06

31 Jan 2008 11:42
Brad wrote:
Flipper wrote:
Noble Locks wrote: everyone can get a mortgage for about a one fpayment of around £1500 (a grand for the broker and a monkey for the dodgy pay slips)…i can get anyone on here a mortgage in any name they want, id prolly get one for my dog if i really puushed it with my man and paid a little bit more than the 1500.

You should be prosecuted. Ever heard of fraud ?

outrageous isn't he? Laughing out loud

andymakes.. - you got your own company now though, haven't you? So, just go with the lender/deal that you want and tell them you're earning whatever they need for their calcs. I've only had to produce (mocked-up) pay slips once in 4 mortgage deals.

Was that a self certified mortgage though? When I got mine, 4 years ago, the bank wanted proper company accounts but I got a self cert mortgage from Bristol & West with no proof whatsoever. Just a big deposit
robii
robii avatar

18857 posts since 8/9/06

31 Jan 2008 11:44
nick wrote:
Hello World wrote: Renting fully furnished is a godsend to me.

Renting is a good way for most people to go, in most of Europe it's the norm, only in this country realy are we totaly obsessed with owning a house, even if the mortgage payments almost cripple us.

If I were single I would be renting and spending the rest of my wages on having fun.

Everytime I hear the words "property ladder" I shudder.

My mortgage is no more expensive than it is to rent a house in the same street
andymakesglasses
andymakesglasses avatar

20224 posts since 26/1/06

31 Jan 2008 11:54
your messy front garden obviously drags the value of the property down
nick
nick avatar

19733 posts since 2/5/03

31 Jan 2008 11:55
robii wrote:
nick wrote:
Hello World wrote: Renting fully furnished is a godsend to me.

Renting is a good way for most people to go, in most of Europe it's the norm, only in this country realy are we totaly obsessed with owning a house, even if the mortgage payments almost cripple us.

If I were single I would be renting and spending the rest of my wages on having fun.

Everytime I hear the words "property ladder" I shudder.

My mortgage is no more expensive than it is to rent a house in the same street

Neither is mine, but I've got mates who can only afford to go out once a month because they have crippled themselves with a vast mortgage to buy a tiny apartment because they have got to own property.
It's no life living for your mortgage.
robii
robii avatar

18857 posts since 8/9/06

4 Feb 2008 13:33
andymakesglasses wrote: your messy front garden obviously drags the value of the property down

Sorted that now. But I think the garden knome might have pissed somebody off cos I woke up on new years day to find a dent in my car door. Got that sorted then four days later a big scratch across the bonnet. Never had any of my cars marked in the past so don't think it's coincedence Evil
robii
robii avatar

18857 posts since 8/9/06

14 Feb 2008 13:09
Anybody know who's doing the lowest fixed rates at the moment? I need to remortgage. Doesn't have to be fee free. Doesn't matter if it's 2, 3 or 5 year I just want to see what the best rate is on the market and go from there
andymakesglasses
andymakesglasses avatar

20224 posts since 26/1/06

4 Mar 2008 09:21
don't put me in the Thick fukers thread please, but I have a mortgage question

If you take out a mortgage to buy your first property, is the mortgage tied to that flat, or can it transfer when you sell the flat and buy another one? ie when you sell your flat do you pay the money back to the bank then take out a new mortgage on the new property, or does the mortgage "come with you"?

Thanks
Clueless from Edinburgh
Noble Locks
Noble Locks avatar

66963 posts since 10/7/03

4 Mar 2008 09:24
if it come with you how would the queen buy a new tiara that week?
Ulster_Blue
Ulster_Blue avatar

5211 posts since 16/7/06

4 Mar 2008 09:27
I think the second option Andy, when you sell a flat the mortgage relating to that flat has to be redeemed with the sale proceeds. U can then take a new mortgage on whatever u buy. If you were allowed to transfer the mortgage to a new property it would be dangerous for lending institutions as it could be a property of lower value.

Anyone confirm this?
Noble Locks
Noble Locks avatar

66963 posts since 10/7/03

4 Mar 2008 09:28
i have already confirmed it
Ulster_Blue
Ulster_Blue avatar

5211 posts since 16/7/06

4 Mar 2008 09:29
Gracias.
andymakesglasses
andymakesglasses avatar

20224 posts since 26/1/06

4 Mar 2008 09:36
thanks fellas

anyone have an approximate idea of what early repayment fees / percentages are? obviously it's different for every mortgage, but just a rough idea

presumably then if you want to move you have to work out if your property has increased enough in value to cover any early repayment costs? or find a mortgage with no early repayment charges