-
£1 nominal mortgage account
Hi We're in a position now to pay off completely our mortgage with Nationwide. Theyve sggested we keep £1 in the account as a nominal fee on which they wont charge any interest and no repayments will be taken. The idea is if we need to remortgage we can quickly get the money as the account is already approved and in place.…
-
Overpayments
Hello I have now posted my question in another forum but couldnt delete this message altogether, sorry.
-
Advice please on overpaying 3 part mortgage
Hi everyone. I've been following many of these threads now for several months and they have given me much inspiration. I am determined, as I am the more money savvy half of my OH and me, to reduced our mortgage and cut our outgoings as much as poss. I would be very grateful if anyone can advise me. I have been regularly…
-
Advice please on overpaying 3 part mortgage
Please refer to full message. thanks.
-
Adobe Flex Developer Team need sales agents in US
We develop software for our customers with Adobe Flex technology. If you can help us to find customer, you will share permanent cut above our hourly rate. Keywords for Busycode Inc. are Flex developer, Flex engineer, Flex specialist, Flex coder, Flex expert, Flex programmer and Flex outsourcing service provide Please visit…
-
making mortgage payments with 0% credit card what do you reckon
i want to make mortgage payments on my 0% credit card jst £100 a month then pay it off my mortgage interest in 6.94%
-
My Mortgage free journey
Hello everyone!:j I hope you don't mind me joining! I was on DFW board, but now I am almost debt free, am aiming to be mortgage free! A bit about me. I have a HUGE mortgage, £152,000:eek: for 22 years and am currently paying £1,100pcm. I am aiming to overpay by £200pcm to start with, and then to up it to £500pcm, when I…
-
advise pls payments gone up but on fixed deal
i have just recieved a letter from my mortgage company advising me my payments are to go up only by 4 pounds but this is not the point i am on a fixed deal till july 2010 please what should i do its as if these ppl can do what they want
-
Pay off mortgage by 2010
Hello everybody I am new to this site but think it is fantastic. My circumstances: pretty easy compared with many posting here but I still have some problems. I am 55 tomorrow so less time to sort myself out. DEBTS Mortgage: £39999, for buy to let house, interest only, rent of £450 paid direct into mortgage account, bank…
-
Overpay on RBS Mortgage
Does anyone overpay on their RBS mortgage? I have asked the customer help line how to do this and they say send a cheque or ring up with a debit card payment. I bank online and would like to make transfers when i can. RBS did tell me their sort code and the representative did say that some customers do make payments via…
-
Mortgage Arrears Charges
Hi all, I was just wondering if it would be possible to claim back any mortgage arrears charges, has anybody claimed this and been successfull :confused: Thanks :o
-
Nothing seems to apply! Advice needed.
My situation. Mortgage due in 4 years - over 65k left owing - having to pay interest only - part 65k is overdaught on open plan mortgage - injury in 1998 caused loss of job, now i have 2 part time jobs, equates to half previous salary - no savings - credit card on 0% for next 6 months 6k - no savings. Cannot see a way out…
-
need help working out how much i will be saving with my overpayments please!
Hi there, i have been reading on here for a while now, and have now joined for some inspiration and advice!! i need help from someone....in working out how much i am saving and how many years i may be reducing by mortgage by making overpayments. I am not sure how i would be able to work this all out!!! here are all the…
-
Overpay or Savings?
Hi I currently have a Mortgage with Northern Rock its a TOGETHER LONG TERM FIXED, which is fixed for 5 years at a interest rate of 6.49% which we are paying interest only. We also have a long term unsercured loan incorporated with the mortgage I have recently started making overpayments of £100 per week I did not realise…
-
One Account advice
I'm hoping someone can offer me some advice on my One Account mortgage. House value: £110,000 Current facility: £55,000 Outstanding 'mortgage' £58881 'Savings' £21485 'Current a/c' £4776 Mortgage balance £32620 I'm currently paying interest of approx £195 per month and overpaying the 'capital' element, reducing the…
-
To IFA or not to IFA? :)
My mortgage isn't due to be renewed until August next year, but last time I changed I used a financial adviser to recommend the 'best' mortgage for me (First Active: 5.85% fixed interest only for 2 years). Is this the best route; I'm just conscious that last time his advice cost about £750 over the term and am not overly…
-
Will £500 a Month Make a Difference?
As a single parent I'd love to clear my mortgage, but at the moment I'm only paying off the interest on a £120,000 mortgage, i.e. I haven't got an endowment policy or a repayment policy in place. I do have £500 a month spare each month which I could invest . . . any ideas how I could use these money to clear the mortgage…
-
Final Settlement offer - playing games?
Hello all, im a new user and would appreciate advice! I have been repaying my debts, which date back to 1999, via a dmp (with Consumer Credit Counselling, great by the way) and now my outstanding balance is £2000 and is only with one creditor, Lloyds TSB. After completing an income review with CCCS recently, as i am on…
-
Should I reduce One Account Facility?
Hi guys, What title says really - want some opinions . . . We currently have quite a bit in spare funds in our One Account (have reduced slightly since start of the MFiT challenge but nearly all of the funds paid off could be withdrawn again). Now I don't have a problem with having the facility there and don't get tempted…
-
overpay or not?
Situation: took out 150k repayment mortgage 11 months ago on 2yr tracker, BoE base rate - 0.12 % (so now at 4.38% I think). 25 year term. I think LTV at the time was about 83% ? The mortgage allows up to £500 per month overpayments. You can take the overpayed money back out if you need the cash. I did make one overpayment…