-
do i have to have details for years ago to claim?
I have an endowment policy from 1990 with Standard life. I'm still paying it although I have now changed my mortgage. I have had letters from them to say there will be a short fall, do I want to top it up, which I can't afford. So i've just continued paying it. Can i claim for being mis-sold the policy. And also should i…
-
Alliance and Leicester deals?
Just a quick one... Any of you currently with Alliance & Leicester and been offered new mortgage deals? Mine ends next month and I haven't had a chance to go in to speak to them yet (tried ringing but some crappy answerphone service where they fail to call back.) Won't have a chance to go in until the end of the week so…
-
Queries about Woolwich offset
Hi all - I put this query on the offset mortgage - the numbers thread but I'm not sure that was the right place so I am trying here! We are thinking of going with the Woolwich .99% above base rate for lifetime of mortgage offset. Does anyone have this mortgage and could tell me what the internet access is like - I read…
-
??
Can my husband get income protection against redundancy on a zero hours contract
-
joint mortgage problems
I took a 125% joint mortgage out with a friend 2years ago, with both of us owing 50% each. After the 1st year they moved out of the property and have paid nothing towards the mortgage or the loan since. I have recently approached them asking them to pay their share of the loan off and also sign the property over so that it…
-
Borrowing strategy
Hi all, First post, be nice. My fixed rate is coming to an end and I'm not sure how to proceed. These are the facts Outstanding mortgage £132k House value (conservatively) £140k Savings £Not that much Other borrowings £0 So my main issue is LTV. When I took out the mortgage 2 years ago our joint income was £30k. Thanks to…
-
mortgage fees
Has anyone else been charged a fee by a mortgage company to see a copy of the building insurance to check it over. This happens every time a building insurance comes up for renewal.
-
Remortgage advice please
Hi About three years ago after having credit problems etc my partner and I took a mortgage with Kensington. The rate is awful and we now pay £729p/m on a balance of £72k. We have a 4k penalty on remortgaging but this runs out in 3 months. We where given two CCJ's from Yorkshire water a couple of years ago which where…
-
Renew Mortgage advice with Alliance and Leicester
My mortgage is due to be renewed at the end of October, i had put a post recently about losing my job and was given advice that i'd need to stay with Alliance and Leicester as i'm not working. I have contacted them last week and they gave me some options but all with a 2% product fee added to the mortgage which would be…
-
Releasing Equity for a Business
My wife and I have been offered the chance to buy a business. I know the business well and work for them now so I am certain the deal we have been offered is a good one and we'd really like to go for it! The trouble is, we need to raise £55 000 to buy and don't have the money, though there is approximately £200 000 worth…
-
How likely are we to get a Mortgage??
I am Self employed with a year's accounts.. Dh is an Agency Class 1 driver We had debts which we paid off in 2006, there will be CCJ's on our credit file :cool: We had a mortgage from 1997 - 99 which we did not default on. The credit problems came post mortgage. We are desperate to move - any experts out there can tell us…
-
Should I surrender my endownment and manage the money myself
Edited........Info incorrect
-
Remortgaging with low income- what are our options?
Hi I took voluntary redundancy from my job 2 years ago to go self-employed in my husband's business. As a result we have gone from a joint income of c.£55k from c.£40k ( my previous income) + c£15K ( husband's income) to just my husband's income whilst supplementing this each month with my redundancy money which we put…
-
100% mortgage advice/ help
HI i have a 100% mortgage (175k) that was 4.9 fixed rate for 3 years. it ends next year. what do i about remortgaging I'm thinking 6 months before the end - ..start looking. yes? Also , shall i just revert the the SVR? ps.. i'm skint any help would be nice... Dan
-
Mortgage Broker Fined or not
I worked for these cowboys for a few months and the compliance was terrible. http://www.introduceruk.com/index.php?n=302&s=news&#panel-1
-
Additional Borrowing - always seperate to main mortgage?
Hi All We've currently got our main mortgage plus an additional £18k we borrowed a couple of years ago to build an extension. This means we currently have two "mortgages" with our current borrower Nationwide. Speaking to First Direct tonight about remortgaging to them I assumed they'd just bundle both together as a single…
-
Residential Mortgage! With Permission To Let?
Hi there i have a problem! Im currently with A&L on a normal mortgage but have been given permission to let and that is what i am currently doing. However the rate has just come outa fixed deal on to SVR 7.19%. Still slightly cheaper than most buy to let deals but rubbish for normal mortgage. They also aint offering any…
-
Removing my name from a variable rate mortgage
Hi all, I am new to this site and I am in need of some help! My sister and her husband decided to end there marriage and my sister wanted to move out of the martial home, she was not able to do this without me going on the mortgage with her, after a lot of thinking and people telling me that I shouldn't do it I did and I…
-
Fast Track Mortgages
I have just recently split from my partner and am looking to buy him out. I have been advised that I can do this with a 'fast track mortgage'. In which as long as I can prove affordability (ie... with my current salary, renting a room and parental support) I should be able to do this. I will be looking for an interest only…
-
My endowment - be honest, am I totally stuffed?
Hi all, I am writing to you in the depths of despair. My statement arrived yesterday showing that I will have a shortfall of nearly £30,000 when my mortgage is up in 4 years. My husband and I were sold the endowment in 1987 so before the aug. 88 cut off by a company that is no longer trading - Rainbow Countrywide. We were…