 Where is the cheapest place in the UK to live? |
| What is the cheapest area of the UK to buy property, housing etc, and still have the ability to work and make a living?... |
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 If I don't have a good credit history, am I able to rent a flat in the city? |
| Ever since hitting 18, I always had a bad credit history and didn't know why, and I really want to move out of my parents house. I'm meant to move in with my boyfriend, but I'm worried ... |
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 Should be wait and buy or move now and rent? |
| Which do you think would be better? My husband needs to build more credit so renting would help us afford a better home a year from now.. but buying now we wouldn't have to worry about it being &... |
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 Should I report this? |
| I work in the UK for a housing association and have a neighbour who lives opposite me and is a tenant. The thing is she claims full housing benefit and has all her rent paid for her, although she ... |
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 I bought a above ground Pool from Neighbors. They sold the house and the new Owner wants the Pool back.? |
| Do I have to give it back? My Friends said that the Pool was a attachment to the house and the new Owner will null the Contract. They are moving tonight. She wants me to drain the Pool right now so ... |
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 Refinance home after only 1 year? |
| I know there are many topics on this subject, but I need input on my situation. I just bought a home a year ago and I think I got swindled. I notice now there are many high amount loans with monthly ... |
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 Anyone know lots about mortgages? |
How much is a typical monthly mortgage payment?
How easy is it to cahnge mortgages based on circumstances?
Can you let your property without informing the mortgage lenders?
... |
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 Why do you have to have to give your landlord a set period of notice before you move out? |
I'm thinking of moving out of my flat, and have been told by my landlord to give 4 weeks notice. Why is this? Can I not just leave tomorrow with my deposit?
Any help on this would ... |
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 Should I rent an apartment or buy a condo or duplex? |
| My boyfriend and I are interested in getting a new place together in a few months. We are able to pay about $1000 in rent and have found some nice 2 bedroom places that are in our price range. We ... |
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 I'm 16, my fiance is 21, can we get an apartment together? |
We're in Virginia. I do have permission from my mother to live with him. Can we get an apartment together? If so how can we go about it? (He's military if that matters)
Additional D... |
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 Is it smarter to buy or rent a home? |
| In an rented home, you wouldn't be responsible if the A/C gave out or to roof needed fixing, right. But when you buy a house, your not throwing a payment away never to see it again. When you ... |
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 Can a landlord let themself in the home with out asking? |
| I have a landlord which is also the neighbor and I find when I go on vacation they have come into the home without my approval. Is that legal? I know because they put my mail on the kitchen counter..... |
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 How many times have you moved your home? |
since being out of your parents home
do you meet the national ... |
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someoneoutthere | Is there anywhere to find out which bank has the best interest for a mortgage loan? |
Is there anywere online to easily compare banks? We would like to purchase my husbands grandmothers house and im not sure which bank to go through. Thanks for your help! |
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A Designer
 |
I don't know where you would go to find out which bank is offering the best mortgage... and, to be honest, I'd recommend shopping around for a credit union instead, and shopping for a mortgage through them.
By far, credit unions offer better interest rates and, for the most part, are much easier/more pleasant to work with. They exist for the customer, not the stockholder. Although many credit unions are highly specialized, you can always find the occassional local union that is willing to represent you, even if you don't "officially" meet their membership bill. For example, the Pentagon Federal Credit Union, which supports our military and their families, will allow a civilian to open an account if you donate something like $20 to the "Military Families Association" {or whatever it's called) and place $5 in one of their money market accounts. The $20 is donated to families who have lost a loved one in the service and the $5 opens the door for you to sign up for any of the benefits that the PFCU offers. So, you benefit with financial services at great rates while, at the same time, doing something benevolent for your fellow man. Also, since they represent members of the US military, who can be stationed anywhere in the world, they are internationally accessible.
There are usually credit unions for teachers, for tradesmen... just about anything you can think of. If you have the time, ask around. Talk to friends, other family members, the local store clerks... ask them if they know of credit unions in your area and what the "membership" requirements are.
If you can't find any other unions locally, I definitely recommend PFCU. They've been marvelous for me and my family.
Just food for thought.
Good luck! |
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Searchlight Crusade
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There is no reliable guide to rate comparisons. They are out there, but they might as well be written by the advertising department. I worked for a participating company a few years ago, and we went right down the line shopping our competition in several such forums. We shopped every single one to the exact standards they were supposed to quote to, and got not one actual quote within half a percent of what they were listed as offering in the forum. Nor were any of the forums interested in enforcement of quotation standards.
Upshot? You have to shop lenders yourself. You probably want to shop brokers, because they shop dozens of lenders each. But anybody can lie like a rug on a Good Faith Estimate/Mortgage Loan Disclosure Statement. It's legal. Ask them if they'll guarantee rate, type of loan, and total actual costs in writing, and watch the evasions begin! It's a yes/no question, and anything other than an unequivocal "yes" means that they have no intention of delivering the loan they are talking about.
At loan sign up, you have all the power. But when you sign the final documents, they have all the power because you need that loan now. This creates powerful incentives to tell you anything to get you to sign up, but at the end of the process, you need that loan, and if you even notice the differences, the vast majority of folks will agree anyway, because they need that loan now.
So sign up for at least two loans. |
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GEE-GEE
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You will have to do some research. You may have to go to each banks website and look at rates. But just an FYI... those rates don't apply to everyone. The bank or broker will have to look at your credit history, LTV (loan to value.. how much you are borrowing compared to how much the home is worth) and your debt ratio.
You may want to go through a broker. They will shop your loan with 5-6 of the best lenders. |
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king_ed.geo
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bankrate.com |
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David F
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If you go to lending tree and put in your information they will sell your name and number so many times you will have to change your number. Rates posted on Bankrate are just to get you in the door and then they have to switch you to something else. Use a well known lender, not someone you never heard of. If its to good to be true it probably is.
Email me if you want assistance, I work for a national lender. |
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dick37
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try your own bank first since you already do business with them. interest rate will all be based on your credit score. the better the score the better the rate. |
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txgirl_2_98
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In the US: LendingTree.com |
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Bulldog
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The trick is to do the comparison by yourself. Here is what you need to do that:
http://www.dpbolvw.net/2a110h08x47MPNSVWQVMONROOSQO
Rgds |
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titanbooboo
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bank rate.com |
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Justme
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greenlight.com |
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Zflash
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eLoan |
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Allison
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I like ingdirect.com |
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Aaron S
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you can find out which bank has the best "possible rate" but that is not the same thing as finding "your" best rate. For example, my bank weighs the amount of down payment, or instant equity if you purchase a home under appraisal above even your credit score. Some banks weigh mostly your credit score. Others weigh you relationship with the bank, and how well they know you. So its hard to take someone with an unknown credit history, and just have "a best mortgage equation" because they all figure what rate to give on different criteria. |
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dixieprayerlady
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I would think that the best way to do that would be to just call around all the bank are kinda close with their interest rates and i do say MOST, BUT CHECK WITH THEM ALL AND that way you will know which one to go with for the best interest rates and such. Go shopping . HEY IT MIGHT BE ALSO A GOOD IDEA TO ASK GRANDMA WHO SHE USES TOO , cause you might should use her bank if... SHE'S STILL AROUND TO ASK ADVICE TO THAT IS. HOPE SO . |
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precede2005
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go to www.bankrate.com or f go to www.ing.com or commerceonline.com and see the results. |
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?
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We searched as well and Country wide had found the lowest rate we could get(very low). e-mail me and I can give you contact. |
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honey
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I heard you can get a better deal through a mortgage broker, not directly from a bank. Brokers have access to rates and will shop for a better rate for you. Also, the rate that a bank offers to each client will differ from client to client depending on their credit history and a type of mortgage. My husband got the best rate from HSBC bank, but again it depends on each client. |
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crazy b
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go to bankrate.com, they give you state by state comparisons,and tailor your needs to a local lender with no obligation, its great |
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Debbie B
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your local bank usually has the best rates if your credit is good |
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jsalakar
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I think, the website below is exactly what you are looking for. I tried it out and all I had to do was enter my state and city, and then I was prompted with a few questions about the size of loan I needed and the type I needed and then I got a list of several mortgage companies with their interest rates and other info. |
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Gonrecht
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I don't know where you are but if you are in the UK then this site is a good place to start:
http://www.moneysavingexpert.com
Lots of free, impartial advice and links to different comparison tools.
The owner of the site has regular slots on BBC TV and radio. |
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gianni b
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i don't know how it works in your country but when i went for a loan of my house i whent to a indepentened advisor,becuase i had the same problem wich bank to take,he took a look at what i can affort and what kind of loan then he surge for the right bank for me.
there are some tips
the total of a loans must be not higher than one thirt of your income so you still have the money to feed and pay bills or healt care
make sure that you know how much your interrestrate can rise
read the smale print over when you not can pay so that they don't sell everything if you only miss one paymentrate
and before signing the contract go to a lawyer to see of everything is ok with it |
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C.J. W
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Since u helped me w/ so many math homework problems heres some help for u visit this site!
www.Wachovia.com |
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carlytucci
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Well, u can go onto a website that's a good website for u to search and compare banks. |
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quietwalker
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Call the banks in your area and talk with the loan officers. Ask them what you need to know. Then go on line and check out other institutions. Just don't get in a hurry to acquire the loan. Take your time and get the best deal possible for your needs. If your husband has been in the military, the VA might make a loan for the house and the interest rate would be fairly low. If you are in a small town, or if the house isn't in a large town, the USDA might finance it. It has a loan program for people who want to buy or build in rural areas. Also, look for first-time-buyers loans. They regularly are cheaper than others, if you're first-time buyers, and not as hard to get. Get hold of the city and ask about loan programs through the city for housing there. Many cities across the country have redevelopment programs. It's a matter of finding the info and learning what the requirements are. If your husband's grandmother is still alive, have you talked to her about buying the house directly form her and making the payments directly to her rather than to a financial institution? You could buy the house from her with a deed and mortgage or on contract. This is a very easy way to handle a purchase and sale.
Hope I helped somehow. Good luck! |
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pootfart3
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Try out H and R Block mortgage consultants...... |
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profpv
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The best interest rate is not necessarily the cheapest. Remember a mortgage is a long term product. Actually you should go for the bank with the lowest cancellation fee, and or one with no penalty fee for anticipated repayment. You gain more flexibility, as your sources of income change in the future. Also you get more freedom to refinance yourself in the future if interest rates change. Banks may try to lock you in at the price of a cheap initial rate. beware of that, and go enjoy your grandmas house! |
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?
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Do a Yahoo search or try www.lowermybills.com |
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Derrick P
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"My bank."
"Welcome to.... ....DERRICK's Deer, Duck -DARN
-Comedy Lounge, Restaurant,
Tavern; Dancefloor." |
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sarahjc23
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www.bankrate.com |
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loaferpost
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I have to agree with A Designer....screw Banks and go with Credit Unions!
At any rate--(no pun intended)--I found this helpful link from the NYS Banking Dept Website:
http://www.hsh.com/
HSH Financial Publishing Company has been in business for 26 years and it is the largest FPC in the USA (supposedly). |
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