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Stateside Tracker Mortgages
Hi, My friend referred me to this site: http://www.skipton.co.uk/mortgages/products/stateside_tracker/index.asp Has anyone here got one of these mortgages? I've never heard of it before, but on the surface looks quite good...? Thanks, Matt
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Help with remortgage letter from the Money Diet
Could someone scan in or type in the letter to existing mortgage company asking for a new deal at the end of the discounted period? This letter is in Martin's money diet but unfortunately I searched the house for two days and it got lost. The help will be greatly appreciated. Please send a pm with the letter if possible.
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Time for a new Mortgage - where's best?
It's time I looked for a new mortgage ??? ??? What sort of offers are out there? I need 200k on interest only. Currently with Bank of Scotland at bank base rate plus 1%. No tie in's. Value of property 450k. Do I go fixed, discount, offset (but very mimimal savings) or other ? help appreciated :)
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Under Offer - Can I still place an offer
I have just found the home of my dreams. I placed anoffer and was shortly instructed by the estate agent that another buyer put in a higher offer but was not obliged to tell me what that offer was. I increased myoffer and was later informed the vendor had made a decision and went with the other buyer who had made a higher…
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buy to let remortgage wanted
Hi We are living in a house my mum owns and so it is in our interests to keep the mortgage low- we pay her rent of course. We are not currently in a position to take on the mortgage. At the moment its 6% and it follows the base rate (can't remember what percentage though). Interest only as thats all we can afford. Does…
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home insurance??
Im hoping to exchange contracts on my new house tomorrow and complete in 2 weeks...i heared that after exchange the house is my responsibility and i have to arrange proper insurance...I presume building insurance ...is that true??
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advice needed
I'm looking to buy the 2 bed flat under the right to buy from our council, they have offered it to us for £20,000 and have a £2000 deposit, I'm 26 earn about £23,000 a year with no debt. They have had the house valued at £40,000. im looking for some mortgage advice on products that would be available to me, or if a loan…
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Help! A wee poll
by way of a poll, if your neighbours wanted to buy your house off you now (next few months) to convert it into one large house; you knew you would be moving anyway in the next couple of years for job/family - would you take the opportunity now and bank the equity, rent for a bit until your move - or would you leave it Also…
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My Mortgage Calculator Theory
Is it only me here... (quite probably, yet again) Because i do find that a lot of the time, mortgage calculators seem to exclude much better rates, almost like you can constantly trick them, whilst knowing that a lower figure exists elsewhere- than the 1 theyre churning out for you. yes.... and Another thing, they also…
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Mortgage deal running out soon
I am currently with the C&G on a discount mortgage (1.5% discount). I am looking for a similar type deal. C&G will offer me 1.35% discount on their SVR for 2 years. I am looking to borrow £115,000 on a house value of around £299,000. I don't particulalry want any redemption penalties, but I don't mind them if I can move…
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Extra bit of mortgage required during fixed rate
Hi there 9 months into a 2 year fixed rate mortgage with Yorkshire BS and moving house and need to borrow another 50-60 K obviously have to stary with YBS to avoid redemption, but what do I do with this extra amount. If I start another fixed rate then this will be out of sync with the first and large lump but then on the…
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Critical illness insurance
Hi Is it worth getting critical illness insurance? We are only getting a £30,000 mortgage and wandering if we could get away without it until we get a bigger mortgage in 3 years time? Any opinions really welcome Thanks Coggy
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Surrender value going down? - it gets worse
Can anyone advise? I got an (25 year, with profits) endowment mortgage 11 years ago. In Sept 02 (when I knew I would be selling), I got a surrender value of approx £4,000. I'd paid about £3,800 in premiums, and it had earned bonuses of about £3,000. I was told I couldn't freeze the policy when the house was sold, and…
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Good or poor deal?
Do any of you mortgage whizz kids know if this is a good or bad deal? I would like a fixed rate as I prefer to know what I will have to pay out over the next 5 or so years. I'm afraid of more rises in rates. I am at present on a variable rate with a 'big lender'. They have offered me a choice of 3 fixed deals - 2 years,…
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Mortgage ?? mis selling help
We are £20000 short in our endow. mortgages...how do I know if this is just a stock market problem or a case for complaint?? Thanks Ian
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Advice on surrendering endowment please
Hi everybody, I am looking for advice on what to do about my endowment policy. i took out a ten year interest-only mortgage and endowment policy in 1996. Like everybody else, i guess, my endowment has not performed as well as expected :( :( :( . In may 2003, I changed my mortgage to a repayment type and carried on with the…
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Euro mortgage?
I'm trying to find a lender that will lend in Euros with my UK house as security. Don't worry, I'm not completely barmy just thinking laterally. I am well aware of the currency risks. Anyone know of such a lender - all the articles I can find suggest L & C but a Euro product isn't mentioned on their website.
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Mortgage Vs Rent
I had a trawl through the site and could find nothing on this one. I currently pay an interest only mortgage of 140K. I have 17 yrs left. I am 48yrs old and its a bit of a struggle on my income. I'm thinking of selling and renting instead. Renting would not save a great deal in cash out but at least I'd not be going red…
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Where do I advertise for a flatmate?
I am currently trying to rent a room out in my house and have put up a few posters around my offices in Kent but had no replies. Does anyone have any ideas of web sites that I could advertise on or any proffessional publications I could advertise in. I dont know where to start!! ???
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Advice - interest only
Hello, As interest rates are rising and I am a v.skint first time buyer where every penny counts - I thought I might get an interest only mortgage for the first couple of years. I would hope in two years time to be earning more and to be able to begin repaying. I'm still early twenties so it's not the end of the world if I…
