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where can i get a quick home owner loan with out all the complications?
I am a home owner i have a property that is being sold but i don't have the money to sell it because i am £5000 short because of the redemption fees and i don't know if my mortgage company will accept that can any one give me advice.
My home also has a suspended reposession order on it.
If you have a repossession order against you, you must get in touch with your lender re the selling price. I feel certain that any reputable lender will waive the redemption penalty if you tell them the situation.
You should at all cost try to avoid borrowing more money to pay this off as the " hole" you are in will only get bigger.
The Citizens Advise Bureau would be another good point of reference. They will help you and may even contact the Building Society (or lender) for you.
Once again do not borrow more money.What to do with letters for the previous home owner, which are clearly fines?
I bought a new home in April 2005, but since a few months, I am receiving letters from the council addressed to the previous owner. i think they are reminders for not paid parking tickets or similar (I can se this through the enveloppe, final red-coloured reminders..). I return the letters to the council, informing them this person does not longer live here. I stil receive letters from them, i guess shortly a bailiff will be knocking on my door? What can i do to avoid this?
Throw them in the trash and tell the mail to stop sending you letter with the name of the people in the envelopes.Benefits payable if you are a home owner?
In the United Kingdom, if a home owner (a person who owns their own home outright - not still paying a mortgage) is made jobless, what is the extent of benefits they are allowed to claim, assuming they are a job seeker? Does their ownership of the home count as "capital" from a benefits point of view, or only cash capital & savings?
The home that you live in as your main home is not counted as capital or an asset.
However, if you own any property or land in the UK or abroad that is not your main home (with or without a mortgage) it will either be counted as capital (the value of the asset, minus the mortgage, minus selling fees = capital). If you receive a regular income from the asset it will not be counted as capital, and will instead be counted as rental income.
If you are a Jobseeker you will be able to claim Jobseekers Allowance (other things could affect this though, such as are you single or a couple, have you worked FT and paid NI conts through work for the last 2 tax years, etc).
Hope that helps.UK QUESTION - What is are the benefits of being a home owner?
YES I know its an "investment" . Me and husband have been homeowners for the last fifteen years and I don't feel that we currently benefit from being homeowners (maybe when we're old people). There are people I know who live on my road in the same house as ours whose houses inside and out (cause they are owned by the local council) are nicer than ours. All their home improvements like double glazing, new kitchens and bathrooms and repairs are done for free and we can't afford to as we are paying a mortgage. It doesn't seem fair.
One day WILL be a pensioner with no mortgage but I am young now and never have any money left to enjoy life. There are a lot of things I can't do when I am a pensioner that I am physically and mentally able to do now. I just can't afford to.
Shannow58 had the right idea. Probably one of those many senior citizens I constantly see driving around with a car a lot newer than mine!!!!
15 years and you don't feel like you've benefited?? FCUK right off, you've enjoyed unprecidented levels in capital appreciation!
Me..... I'm 26, and am about to jump on at the highs, not through choice, but because that's how it is. I'm buying a £450'000 flat in London, 2 bl00dy bedrooms that "fifteen years ago" was probably £100'000 and 15 years time might be still 450 maybe less
Doesn't seem fair, pipe down!I am looking for a good place to live? I am a first time home owner.?
I just recently graduated from college and am looking to move out of my mother's house asap.
Do your homework and don't be in a big hurry. You need to look for places that will provide jobs and affordable housing. There are several sites to assist you with your search. If you google housing they should come up.
Ask yourself these questions: What is important to me? Do I like warm weather year round? Do I want a quiet life in the country? Do I want to live in the city near all the activity? What is my budget? Am I being realistic in what I can afford? As a first time home buyer, you need to educate yourself with the buying process and the lending process. Log on to Lending Tree to get mortgage information.
Approach this with intelligence and patience, it is one of the most important decisions you will make in your life.Do you think it is reasonnable to buy a very expensive car if you are not a home owner ?
Let's say you are really into expensive sports car so that would fulfill a big dream of yours.
personnal experience appreciated.
Anyone capable of affording a very expensive car must have taken most of his/her decissions very much calculatedly. Appreciations / depreciations, interests, value that the money invested will add to life.
When I bought my first car, it was definetely not affordable by anyone in my standard. Yet it is the carze that ultimately wins over sense for some people like me. I think this "sense" isn't all that unreasonable if you think about the confidence factor for a while. Simply put, if it is home first and then a good car for many it is not wrong to have a few things in lfe the reverse way.
Raj
http://www.carbargain.biz/i recently became a first time home owner....?
my new home is a spacious 3001 square feet...there is a huge picture window in the front of the house. on my days off i often wander/traipse through the house in my birthday suit. you see, i am a naturalist and believe the body is beautiful no matter what size or shape. on a few occasions during the monthly neighborhood watch meetings, i have been informed that i must put curtains or some kind of window covering on the picture window. the neighbors it seems, have taken offense to seeing my naked body. i am hurt by this...if they do not want to see nature at its best...then they should not look. any suggestions?
Are you such a wild creature that your afraid to admit that you're a naturist and not a 'naturalist'.How do I find out a home-owner's name?
The occupants of a rented house are making a great deal of trouble in the neighbourhood; I want to find out the name and adress of their landlord in order to write to him - how do I find this out? (in UK)
no theres not, you could go through the agent and they will in turn contact the landlord for you. best bet is to call the police or environmental health so theres an incentive for the landlord to act.Bailiffs letter for previous home owner, now they're asking for my details. What should I do?
the previous owner of my house left a fair bit of debt behind by the looks of it and I recently had a letter addressed to 'the occupier' aka ME, saying that they need my details after I told them she no longer lives here. I didn't want to give my details to some random debt collectors but now I have an unaddressed letter saying Bailiffs came round when I was out and will call back at an unannounced time. What should I do. Its not my debt!
I would wait for the bailiffs return. I would think they just want to verify that you are not the previous owner.
I would not mail any details to anyone.What is the ratio of home owner's downsizing to an apartment?
A ratio is always the ratio of one thing to another, so you need to re-word the question to make more sense.