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    judgment mortgage on icb

    Hi mark Took a little over 2 weeks from when I became aware. I chased them quite a bit to push it on. They wanted 30ish including interest. I offered 12 and we settled on 15. I'm sure every case is different and if they thought they were able to get more from me they may have held out
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    judgment mortgage on icb

    im sure that was a mistake that it was never registered with the icb in the first place. would you think they will go to the trouble of registering now that it is settled? i settled for what i owed them less the interest that accrued over the years.
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    judgment mortgage on icb

    has anybody ever contacted the icb on the number on the website. ive rang several times just get answering service and no calls back?
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    judgment mortgage on icb

    hello i was selling a property recently when my solicitor found a judgment mortgage attached to the property from an old loan i had previous that i pressumed was written off. i managed to reach a settlement figure with the bank in question for less than full. they sent me out a letter to say...
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    Judgement mortgage discovered after contracts exchanged.

    hi brendan my solicitor had recieved signed contracts and deposit from purchaser. i met him about a week after that to sign contracts as i was away. this was a week before agreed closing date. i was informed then. im not sure which solicitor performed search but i would have thought the...
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    Judgement mortgage discovered after contracts exchanged.

    i was a vendor in the exact situation recently. had no clue about the judgment mortgage. had an old loan that bank stopped chasing in 2011. apparantly they served notice of judgment in 09. no recollection of being served any notice(something i would have taken notice of) i assumed the bank had...
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    negative equity mortgage or keep investment

    hey grainne, i got approval in principal for the switcher. slightly different figures just 45k of new borrowing porting over 320k on tracker. 97% ltv.
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    negative equity mortgage or keep investment

    Thanks Brendan Ill ask and see how I get on. I assume if they were reluctant to lend me any new money that they would have no problem with me porting my tracker to a new home of the same value of existing tracker?
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    negative equity mortgage or keep investment

    Thank you very much for the advice. I've managed to gather a bit more money together 100k. And I plan to approach ptsb in January about negative equity switcher. Do you think the bank will look at this given I got in to trouble with them in the past? I did a deal 3 years ago with them on the...
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    negative equity mortgage or keep investment

    thanks for the reply brendan i appreciate your advice and it makes sense. my icb wont clear up till 2019 and i feel like it is the right time for me to move now i dont know if i can wait. do you think interest rates will rise drastically in the next 2 years? do you see any issue taking the...
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    negative equity mortgage or keep investment

    would any of you financial wizards have any advice on the above? i need to make a decision and i am very torn as to best approach? any advice would be greatly appreciated
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    I had problems in 2009 - will that affect my mortgage application now?

    hello dave ive spoken to 3 brokers who all deal with boi(possibly bank managers they know maybe). boi dont pay them for there services and i would have to cover that.
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    negative equity mortgage or keep investment

    thanks bronte/creme egg very new to this and have not engaged an accountant yet which i plan to do. myself and my partner have a joint income of 118k. net income of 6800 monthly no dependants. the apartment is in my name. rental income-------------------15000 less 75%...
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    negative equity mortgage or keep investment

    what would you do sarenco? i obviously dont like the rate either. but i am where i am. i can manage the inflated price for 2 years until such a time that i can switch to a better one. if i wait 2 years im worried about house prices increasing further and out of reach. i think i would rather...
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    negative equity mortgage or keep investment

    hello all trying to buy a new property, i have an apartment at the moment in negative equity on a tracker ecb+1.1%. should i take mortgage offer on table, or try to get a negative equity trade up. new property value-------------------375k deposit------------------75k...
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    Bad icb report. Mortgage impossible?

    i have also been told by 2 brokers that switching once icb is clear wont be an issue once the finances stack up. but as they are so new to lending here theres obviously no cases of this yet
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    Bad icb report. Mortgage impossible?

    in the same situation as you sanparom. i really dont want to wait. the pepper rate for this product is 5.05%. my broker has told me that once you have a clear icb for 4 years that they will reduce your rate to current svr rate which is 3.67%(id be dubious of this)!! does anybody know if this is...
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    I had problems in 2009 - will that affect my mortgage application now?

    does anybody know how long an internal bad credit rating with a bank is kept on file within the bank?
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    switching from pepper

    hello all i am currently looking to take out a mortgage. due to some credit issues in past pepper seem to be the only bank willing to do it. with a 5% rate i am reluctant to this long term. i will be clean as a whistle in 2 years. if i take the mortgage will the fact that its with pepper...
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