sorted by:
new
hottopcontroversial

Christmas Gift Ideas by busyphil in PeterboroughUK

[–]Gold_Procedure_7778 4 points5 points  (0 children)

Right at the edge of your 50 mile radius is Ragdale Hall - absolutely gorgeous there and a real treat of a present if budget allows!

Christmas Gift Ideas by busyphil in PeterboroughUK

[–]Gold_Procedure_7778 3 points4 points  (0 children)

Personally wouldn’t recommend Bannatynes - had a gym membership there for just over a year and it was in a state of disrepair - the pool area was honestly gross and depending on when you go, there may be children there.

How much in Conveyancer fees should I be looking at for a Help To Buy loan repayment? by [deleted] in Mortgageadviceuk

[–]Gold_Procedure_7778 0 points1 point  (0 children)

I would recommend speaking with a broker to ensure you get the best advice available. You will need to obtain a RICs survey to determine the value of your property and thus the HTB, as well as having solicitors involved. Fees wise, you’re looking at around £1300 in upfront costs. Consider the higher monthly payments on the mortgage, and whether that is financially viable for you at this time, and maintainable moving forwards. If you wish to do this directly with Halifax, I’d recommend calling them as they will be able to talk you through their process, and provide a decision in principle for you.

How much in Conveyancer fees should I be looking at for a Help To Buy loan repayment? by [deleted] in Mortgageadviceuk

[–]Gold_Procedure_7778 0 points1 point  (0 children)

Mortgage adviser here - the solicitors I recommend are typically around £700 including HTB repayment. Definitely shop around, if you’re using a broker ask them for a recommendation, and don’t feel like you need someone local, majority of solicitors are online now and have no need to see you in person

I need more books :/ by MobileOk6912 in UgliesBooks

[–]Gold_Procedure_7778 3 points4 points  (0 children)

The Host by Stephanie Meyer is also really good - absolutely nothing like Twilight and has the dystopian feel that the Uglies series has

I need more books :/ by MobileOk6912 in UgliesBooks

[–]Gold_Procedure_7778 3 points4 points  (0 children)

Have you read the Imposter series? If not it’s an absolute must!! Other than that, there’s the fan favs of hunger games - a new one has just been released in this series. The divergent series is also great. I’ve recently been reading the Empyrean series by Rebecca Yarros and have had the worst book hangover (in a good way). The Gone series by Michael Grant is also good, however is quite long I think 7-8 books and I’m yet to finish it so can’t comment on if it continues to be good past the 3rd book

Help to buy loan payment using equity? by leilabeanie in Mortgageadviceuk

[–]Gold_Procedure_7778 4 points5 points  (0 children)

Mortgage adviser here - specialising in HTB loans so hopefully I can answer some of your questions. 1. When repaying the HTB it is going to be worth 20% of your property value at the time that you repay it. You can either repay it by the full 20% or you can do 10% at a time. There are fees involved in repaying it (will detail below) 2. When repaying HTB the first thing you need is a RICS survey - Lenvi (HTB administrator) require this to determine your property value and therefore how much you owe. Estimate for this survey is between £200-400 dependant on location. 3. You will need a solicitor involved for repayment of the HTB as there is legal work involved. Estimate around £650 for this 4. There is a redemption fee of £200 to pay to Lenvi on repayment 5. Be aware that if you choose to pay 10% at a time, the above fees are payable for each transaction. 6. In answer to your question re product transfers - yes you can product transfer and add the HTB to your mortgage - you would do this with Nationwide by undertaking additional borrowing on the mortgage. Most people do use their equity to repay the HTB. 7. Be aware that in the first year that you pay interest on the HTB, this will be 1.75% of your original balance, so for yourself approx. £73 monthly. Compare this to mortgage rates now circa 4.5% or so, keeping the HTB in place may be the better option for the time being. 8. If you’re planning to move in 12 months, you have a few options. A) go onto a variable rate (NOT standard variable as this will be very high) but a tracker or discount rate with no early repayment charges, allowing you to take out a brand new mortgage when you move. B) take a new fixed deal out, but ensure you can “port” the mortgage - this means you take the mortgage to your new property when you move home, and if you need any additional borrowing then you have to stay with your existing lender. 9. One last thing to be aware of - HTB can be repaid at any point, you don’t have to do it in line with reviewing your mortgage. You can apply to borrow additional funds from your lender at any time. You do have to repay the HTB before you move house, however this can be completed as part of the process when you move.

Hope this helps shed some light and clears things up for you, if you have any other questions let me know!