 Are housing records public? |
| I'm looking for a the name on the deed to a house. The telephone number and address is unlisted on white pages etc. I know the address and the land line phone number. However i want to find out ... |
|
 Being watched? |
| I am renting an apartment, and have been for over a year. Recently, I have been having alot of problems with them. They come into my apartment without leaving a note (they are supposed too) I have ... |
|
 Does anyone know how i can find out whether a house belongs to the council/housing association or is private? |
Is there anyway i can find out whether a house is privately owned or if it's a council house or a housing association property?
Additional Details
The thing is we're waiting to ... |
|
 My credit score is 420. What kind of interest rate can I hope for on a 40k mortgage? |
I'm calculating my approximate costs and could use a better idea of the interest.
Additional Details
"420 Sucks" I know. Thanks for pointing that out
Geez, you&#... |
|
 How to Draft a Lease for Your Rental Property? |
| what are the basic and important points to be mentioned or is there any standard format which has to be ... |
|
 I am thinking about renting a house that has been foreclosed, am i taking over the mortgage payments? |
| Will I have to go through a bank, am I making payments to purchase the house or still just renting? Can I be kicked out anytime if the owner's can start making payments? Does the bank own the ... |
|
 How long should I wait to refinance my home? We bought it 2 years ago.? |
| I pay extra principle each month on it and would like to refinance enough to pay off my vehicle and to do some remodeling on my home, painting, etc. I would appreciate all insight. Thanks!!... |
|
 Can a home lender come after you after they've foreclosed on your house? |
| My current home is at the beginning stages of foreclosure, and I know I can't bring it current. If I retire after the home has been foreclosed and I use my annuity to purchase a new home, ... |
|
 After 2 and a half years in a rented property, am I required to repaint the whole house? |
| After 2 and a half years of living in a property, my letting agent has suggested the difference in my deposit paid and my return deposit is due to a deduction for repainting the house before the new ... |
|
 Should I sell my home read on ( real estate )? |
| Hi I bought my home condo near the water in NY 6 years ago. It went up like 100 percent in value. I am getting scared of everyone saying the real estate bubble is going to make homes so low soon. I... |
|
 Realators didn't give us info, now we could be out thousands!!? |
| Ok, so I asked before about my parents housing situation. My parents put down a fairly large good faith deposit while were waiting for the rest of the deposit. Anyway, it was refundable for like 20 ... |
|
 I'm planning to buy a small house or mobile home then rent it out and hope prop. values increase or build a |
house on a lot I already own.I'm trying to make some money in Bay County FL.I dont make much at my full time job.Which should I do? Thanks.
Additional Details
If i build a house I ... |
|
 I want to sell my home. Here is an issue: We originally bought the home in good shape but we rented it out and |
| The renters did not care for the home. We lived out in Arizona, so we couldnt check on the home as much as we should have. We were out for 3 years and they were NEVER late on the rent. But many ... |
|
 We have put in an offer on a house... |
| What is a reasonable amount of time for them to give us an answer? We put the offer in last weekend and they havent said yes or no.. whats going on there do you think? We did offer 17500 grand ... |
|
 Realtors and/or sellers...need your advice? |
| My home has been on the market for 5 months. I've only had 4 looks. My realtor says best thing to do is move out, so the house will be empty, and show better. It's half full right now. I... |
|
 Thinking of buying first home, but I have bad credit and no down payment? |
I keep going back and forth:
- I could wait a year and improve my credit and save for a down payment. I would continue paying more in rent than I would in mortgage and insurance, but I ... |
|
 Credit crunch and today's interest rate drop - when to buy a house? |
| I'm a first time buyer so for me, the more house prices come down the better. But I'm also worried about missing the boat - I don't want to wait and wait and then find that suddenly ... |
|
 As a homeowner, should I sell the house of rent it out? |
| I live in zip code 95132. Rents might go to $2000 for a 1790 sq.ft., 4/2 house. My property, unmodernized, built in 1965, might sell for $125,000 less than last year (now <$600,000) I have an ... |
|
|  |
cg198421 | What are Northern Rock doing?!? |
I have my mortgage with Northern rock. We've just switched onto their variable rate as our two year fixed deal ran out in January. We are paying a lot more in interest than we could get elsewhere but we have tried to switch to another mortgage lender but we were unable to do so.
I'm worried though because Northern Rock rang me today - a courtesy call apparently to ask if I was aware I was paying above the odds for my mortgage and that I should seek finical advice and see if I can get a better deal with another lender!
I told her I had already tried and was unable to get another deal.
It seemed so strange that they rang me to say this and I'm quite concerned! Why re they doing this? |
 |
 
Ed
|
The reason is obvious.
Under EU rules, state owned banks must not offer better deals than private ones, and the Northern Rock is now in public ownership.
It owes the government and Bank of England billions of pounds and needs to pay it back.
If you move your mortgage to someone else, the new lender buys your mortgage of Northern Rock, and they can use it to repay their loans more quickly back to the government.
Some mortgages may be sold anyway, the Rock sold some £2billion of its mortgages to JP Mogan. All the customer knows is they get a letter saying their mortgage is with someone else.
The aim is that when the loans are repaid, the Rock will be privatised, and has assets and can operate privately again. |
|
aires69uk OFFICIAL
|
Because they are trying offload you and other customers so as to get as much debt off their books as they can. You have been following the news I presume, I mean you do know that the government has taken over Northern Rock due to financial mismanagement? |
|
old know all
 |
Northern Rock's problems arose because they have too many mortgages on their books. People switching from fixed rate to a much higher variable rate are the ones most likely to default. If Northern Rock can persuade their riskiest mortgages to go and default elsewhere, they get repaid and their business becomes far more viable. |
|
junglejungle
|
a lot of companies , well banks would rather have others deal with mortgages now. they are seen as a bigger risk than before.
you might get a better deal elsewhere I guess, and by upping the rates, they are maybe trying to make people switch..
they should have just sold it on to branson, everyone in the uk has paid £100 or something to keep that place afloat. yet they won't do that for other business's
banks are really messed up currently thanks to all that sub prime lending s*** that went on for a start. |
|
kumala
|
i will be in the same boat as you soon,whats the variable rate? |
|
Butternut27
|
This could be down to a number of things...
see a independent financial adviser....its difficult to tell which it could be as you don't give much information..
things other lenders are wary of with NR customers is the 100 -125% mortgages which some customers obtained...many banks in this climate will not take on those NR ex mortgages unless the customer can put down a deposit and refinancing to bring the LTV to an acceptable level..this is bcoz some NR customers are already in negative equity and if the housing market goes down more will be...also many lenders right now do not have great rates, so are not taking new customers....go and see someone who could look at the whole pic and market and give you advice....good luck.... |
|
Neil M
 |
Why don't you sell your house before you end up in negative equity. |
|
lillibut
 |
Im in the same position as you, currently paying over £200 over what I paid last year and cannot get a new deal as most lenders have a stricter lending criteria due to the credit crunch, and I dont have much equity in the house! I dont know whats going on only I hope they sort something out fast.. They rang me as well and I think they are doing it to high risk borrowers so that they do go elsewhere therefore reducing there own debt, im not saying your a bad borrower as im not in fact iv never missed a mortgage payment ever but because i took a 100% mortgage I have little equity and because im on maternity Im not getting a wage anymore so its only hubbys wage coming in. (im on extended maternity so imnot getting paid).
I really do wish you good luck and will be watching the answers on this one! |
|
deb
|
you must be what they call a liability too them as they are trying to of-lode mortgages where they think people may default or in a negative equity you will get another mortgage but you will have to look every where hope this answers your question all the best |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 36 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
8 | 4 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 2 month(s) ago
| | | |
9 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Renting & Real Estate 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
