Just Curious.

[olympic_torch]

If i was in a position to re-mortgage at this time, i would be looking at a loan of 128k over 15 years,(assuming 85% LTV is still available).
Could one of our venerable panel of experts give me some idea of the monthly repayments.
Please be gentle with me.

Aucto Splendore Resurgo.
(7 down, 53 to go)

[Lisa2009]

OT there is a mortgage calculator on a link on the homepage of this site if that helps

[Adam Davies]

Hi
£1200 ish [15years at 7.5% repayment]

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[olympic_torch]

Thanks Skint, Thanks Andy.
Blimey, i pay just over £800 at the moment,thats an increase of nearly twice my IVA monthly payment,(£220).
Long way to go at the moment though.


Aucto Splendore Resurgo.
(7 down, 53 to go)

[bagpuss]

could interest only be an option for a bit. x

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[Andrew Graveson]

Hi OT,

Complicated subject which any of the mortgage-brokers who post on this site would be happy to talk through with you.

As others have stated in the past; just because certain mortgage arrangements may be available to you does not mean they are right for you.

Equally just because remortgaging doesn't seem viable right now doesn't mean that a chat with a mortgage broker would not serve a purpose; good to get a second opinion.

Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

[mikebdomain]

Sounds like you are on interest only at the moment.

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[olympic_torch]

mikebdomain
no, am on repayment.
redemption figure was 90k when we started
iva in may.
got another 15 years left on my mortgage, which will take me to 65.
long way to go yet.



Aucto Splendore Resurgo.
(7 down, 53 to go)

[Andrew Graveson]

Hello OT,

Are you trying to settle your IVA early?

Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

[olympic_torch]

Andrew.
Not particularly, just playing with figures.
I just wondered how the figures worked out.
In any case, we have a "no variations in the first 24 months" clause.

Aucto Splendore Resurgo.
(7 down, 53 to go)

[Andrew Graveson]

Thanks OT,

No harm in playing with numbers. Good way to think through options before you get to month 24.



Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

[olympic_torch]

I do tend to get a little premature sometimes.
(Mrs Torch says its my age).
Although 5 years seems a long time, at least we can plan
ahead now, whereas, pre IVA, any thoughts for
the future were impossible.
I'm so excited i could crush a grape!.


Aucto Splendore Resurgo.
(7 down, 53 to go)