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Mortgages & endowments

Archives for September 2004

True Safe Maximum Mortgage? Help!
Hi - newbie here. :) My situation is this: I moved to Paris about a year an a half ago for a job here - having just finished being a student for AGES. I am currently paying rent for a small apartment here and transferring about 1000 GBP to the UK to pay off my debts(!). While this sounds a lot, I must say I'm living quite…
OFFSET MORTGAGE
I am thinking of moving my mortgage to an offset. I will have about £90k in a savings acct offset against a £155k mortgage. At present interest has tax deducted at 22%. I am a 40% tax payer (employed) and each year when I do my tax return I am stung for the difference. Am I correct in thinking that by doing this I will…
Tracker Mortgages
I'm currently coming to the end of a discounted mortgage that I have with the Furness. It's discounted to the BOE base rate until December this year, and then it jumps to 1% above for the life of the mortgage. The balance is around 72K. As there are no tie-ins with the product, I'm wondering if it would be worth moving…
HELP!!!!!
I HAVE A SELF CERT MORTGAGE FROM WHEN I WAS SELF EMPLOYED.I WANT TO CHANGE IT NOW TO GET A BETTER RATE.I HAVE LOOKED THROUGH THE VARIOUS SITES BUT IT IS A MINEFIELD..........I WANT TO BORROW 45,000 IN A PLAIN OLD REPAYMENT MORTGAGE........ANY ADVICE OF WHERE TO GO PLEASE?? THANKS, LIVERPOOL LASS ??? ???
Self-Certified Fixed Rate Mortgage
Hi folks ! Can anyone advise where I can get a decent Self Cert fixed mortgage as with all the recent rises since last November my payments have gone up by over £400 a month. Needs to be Self Cert as you can guess I have a pretty large mortgage !
upgraging Mortgage
I have been a black cab driver for 18mths , I have had a mortgage for 5yrs. As my income has increased considerably I applied to my existing Banker (Virgin online) for a new mortgage,( last september) and have just found a new property, but Virgin have now turned me down as I don't have 2yrs accounts?? when I got my Last…
First timer! Looking for help on basics!
Hello all, I was looking for mortgages on the net and I came upon this forum- great! It would save me alot of time if someone could answer a few questions for me. I have self employed for 2 years, and last year my net income was £500. This year it's going to be much higher. The reason it was pathetically low is that I…
First time buyers looking for best buy 5 years fix
Haya ! We are both foreigners and 1st time buyers. We are looking for a good mortgage deal offering a 5 years fixed rate. After the first 5 years, we would like to have no early repayment fees + overpayment should be allowed on a monthly basis. Plan to borrow 95% of the value of property so a bit worried about HPA. So far…
How to buy-to-let with my mum (for my sister!)??
My mum is buying a flat in Surry for my sister to rent from her. She can get an 85% mortgage to do this. I want to provide the other 15% of the purchase price by extending the mortgage on my own house. The rent will be shared in the same proportions. Is this possible? Should my mum buy the house and I just give her my…
Finance for a mobile home
I am trying to find suitable finance for a holiday lodge (a posh mobile home) or prefably a mortgage. This has proved to be really difficult. We don't own a home as my job takes me around the country/world, any advice? ;D
Endowments - what next?
Firstly let me say, we genuinely believe we were mis-sold a mortgage, we even have the person who sold it us writing on our quote that we "will make a tax free profit". Anyway, we have put a complaint in and to cut a long story short been refused compensation. This simply seems to be on the basis of our answers to how we…
Is this property company a scam?
Hello, I would like to know if anyone has any knowledge or experience of a company called I Buy Homes, see website https://www.ibuyhomes.co.uk My situation is- I have just learned I've been offered a job in America, starting November 1st. I want to sell my UK house as quickly as possible, as I know of a great house for…
Separation, mortgages and endowment policies...
Hi - I hope someone can help me with this! I separated about 5 years ago - husband continues to live in matrimonial home Anyway, he's now keen to "sort this out" as I'm still on the mortgage and endowments. The endowment policies were with CGU life and Scottish Amicable and I was hoping to contact them to find out forecast…
New Thread on Mortgage Advisors are etc.
:)Which is the current lowest APR for an Offset/Current Account Mortgage? Virgin One appealed to me in the past but their rate was higher than others such as First Direct etc. Now hey've dropped their Virgin tag they see more competitive. It gets confusing as some offer Loyalty discounts and by chance, due to failed…
Using an IFA
My question is about fees for using Independent Financial Advisers to arrange a mortgage. I am a first time buyer about to start looking for a mortgage. Is it worth speaking to more than one IFA before making a decision? If so, how does it work with fees? The adviser I eventually use to buy the mortgage may be paid on…
Pls help - URGENT - Dont know who else to ask!
??? ok here goes! We currently have a mortgage of 75k and our property has gone on the market at 122k. we are going to buy another house and relocate to blackpool. We are looking at houses around the 90k mark. We have a mortgage promise for our new property. However since the promise my husband has been made redundant, he…
help and advice please
about to go through divorce,and have to pay half of house value to ex wife,expected to be about £90000. i would like to stay in house myself which means i have to find £90000. the question is after looking at various sites eg charcol and different mortgage providers to repay a capitol and interest mortgage on that amount i…
remortgage
can anyone advise which lender does the quickest ppr remortgage
ground rent
The company who deals with our ground rent has given us the opportunity to buy the freehold at auction. We have to pay £32 for entering into this but we have no idea how much the cost of the freehold might be. Has anyone any advice before we part with the £32? All the freeholds will be sold so we have no idea who else…
Remortgage Advice
I currently have my mortgage with Northern Rock, which was a 2 year fixed deal. This ends on the 30 November 2004. I currently owe £46K on the mortgage and have 13 years 5 months of repayments left. I contacted Northern Rock about changing the product of which, they have many options. They have a 3 year discount product,…

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