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We are building our own house slowly to keep costs down. We live in the property but have not applied for the completion certificates etc as we have rooms to finish and extensive ground work outdoors to complete. We are with a mortgage company from the start but could save money by changing lenders. Ive been told that as the property is incomplete no lender will be willing to take on my property without these certificates? The amount i need is less than half of the current value of the house even in its unfinished state! Has anyone ever had this problem or know of any companies that would be willing to lend on this type of property? Thanks

Santander Offers Competitive Remortgage Deals Daily Rosetta One of the world's largest banks, Santander, announced that they had just presented more competitive offers to remortgage deals and to homebuyers. … Santander cuts rates by 0.20 per centMoneyextra.com all 2 news articles »

Source:remortgage – Google News

RIDEE THARAKA – 43 = 1

Sorry if this is long whinded!!

We are currently changing mortgage providers as our 2 year fixed rate has come to an end. The house has been surveyed by the new loan provider which was fine. Now a query has come through with regard to the title deeds… something to do with the ex owners had seperated and the lady re-married, when she signed some paperwork when we where buying she signed in her new name,not her old married name. Apparently now they need a copy of her old marriage certificate to clarify who she is?? but she has moved abroad. We have been told that this is a query that should have been resolved by our solicitor when we where buying the house. Now they can’t find her… we have however had a letter this past week from our new mortage provider saying our mortgage has been approved and that we will shortly get some paperwork from their solicitor?
Does this mean that they have approved our mortgage anyway? what would the timescale now be?
Yes I think the problems is that they cant get hold of her and therefore cant see her marriage certificate..

.. how sad and draconian a world is it that the Brits inhabit and do nothing about… capitalism has never been about sharing… it spun that as a cheap, mugs’ myth by Blair and Thatcher. Capitalism is solely in the hands of the old wealth base. They simply print more money.

That has always led to the problem and funded the rich out of it.

But it is a recent example of the ordinary bloke re-mortgaging his brains out, holidaying in the Bahamas and only being able to pay for it on paper. It is not just the filthy rich that are the butt of the recent financial meltdown. In reality we all are… because we believe the existing system is the only option… often negate individual talents, and rely on peer group mediocrity that encourages people to move from blue to white collar lifestyles, which they end up hating, because the larger capitalist agenda eats that socio mobilising fodder alive.

UK is still an old class culture that now administers power from the inaccessible corridors of the City, with a Gentlemens’ Club marginalising mindset that trickles down faster than their much exulted loose change. It has exploited all and sunder for years, centuries. In the past it sent young blokes to their deaths… now it kills off generations financially (and still exports war). The few who have done well will seek to discredit those who have not – no doubt here also.

Look at the fundamentals of UK economy and you see a City based, scam laden, Gin and Port spin society, hell bent on escaping its class and wealth confining reality. Obsessed by money.

It has lost much of its cultural identity, faith and family values. The fundamentals of social well being. Life is about sharing certainly. But you do not need that much to be able to look after family.

The housing market is still down… the banks are brimming with cash… property is now about to be sold as a safe investment. The whole thing will start all over again. Because they control YOU the lambs who live for the good life… even though you probably already have it. Now they need to entice a new era of mugs to fund their next bubble.

It generally takes time and dedication to get somewhere stable and satisfying.
You do live in Govt housing! By the time you pay a mortgage the house has cost you 3 times its value! A one bed flat in S London is still worth 120K… 20 years ago it was worth 70K… duh do the maths.
ketkonen
It’s just a game bud. The shedding game. They have to print money – that is the only way Capitalism works.

ketkonen
It’s just a game bud. The shedding game. They have to print money – that is the only way Capitalism works.

Remortgage News

Property Investments in UK Look Promising for Next Year Remortgage News If you choose to go ahead with a remortgage product a fee may become chargeable. By submitting this enquiry you agree that – The information provided by you …

Source:remortgage – Google News

ATAPATTAMA – 06-01-2010 = 1

I’ve been asked by a friend if I want to go 50/50 towards buying some property ?

I already have a mortgage and obviously could remortgage but would want to repay the loan as quick as poss so I may incurr some costly penalties.

Before I do the usual and approach my mortgage company, does anyone have any other “legal” ideas of how I could raise the money ?

thanks…

I am from Manchester I owned a textile business since 1998 with approximately 100 staff, the business was going well until
two years ago.
I was importing and exporting but over the last two years the business has been in a steady decline, I have also had to reduce my staff
levels and now have only five people working in the factory.
My factory and my home both have high mortgages.
I have taken out loans for my business, I have re-mortgaged my house and used all the available money on my credit cards.
I now find myself in a position where I am unable to make any of the repayments and the interest is increasing up daily.
I am struggling to pay the five remaining staff.
I do not know what to do, I have considered suicide but I have two children and I really must think about them.
I have considered running away and leaving all the debts behind but I do not have any money to start a new life anywhere else.
If anyone has any advice to offer as to how I can deal with this and get some sort of normality back in to my life I would be very grateful