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fixed or tracker??
im looking to take out a mortgage of 52500. ive been offered two options by my mortgage advisor, a tracker at 4.99% until 28/ 02/07 with no arrangement fee. or fixed at 5.19% until 28/02/07 with an arrangement fee of 399. which one is the best. any advice??
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best self cert mortgage at the moment ?
hi, i'm a regular lurker on this board....even if its my first time post. in a nutshell...anyone recently taken a self cert mortgage that seems reasonable rates ? seems self cert might be my only option ? in summary: want to borrow 291k for a house 485k (i.e. LTV 60%) i have been an employed contractor for 7 years...but…
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House...buy or wait?
this is probably something that cant be answered straight the way..but here goes! I;m currently 22 years old living at home and on a salary of £17k a year, I have no debts to worry about but at the same time I do not have much saved up, am only talking a couple of hundred a the most. I would like to buy a house as I…
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I F A s
do ifa have to be qualified to give out advice?
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Long Term Care Funding
Whats the best way of funding an elderly parents long term care, with the capital released from a house sale and can it be done by power of atourny ?
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Budgetting for Mortgage
Does anyone know of any good websites that set out all the appropriate costings in budgeting for the running costs of a new home??!! I am in the process of persuading my other half we can't afford a mansion and the way I'm going about it is to sit down and identify all costs associated with running a new home e.g.…
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Buying flat with a short lease
Hi, I am a first time buyer and I started looking for a one bedroom flat in Central London. I know its expensive, but thats where I want to live - hence a small flat and looking for a bargain. There are some flats going for a bargain because it has a short lease. People tell me that mortgage companies won't fund me if its…
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bridging loan
can anyone suggest a good bridging loan company for a property purchase? thanks
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offset to save advice
I am considering remortgaging - releasing equity of a further 70k which will cost a total of £215 to complete. Rather than spending the money. I would keep it offset effectively having an interest free loan. Our monthly payments will increase but mortgage will decrease quickly as the interest would be minimal and therefore…
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TV Prog looking for First Time Buyers & Homeow
TONIGHT WITH TREVOR MCDONALD – LOOKING FOR HOMEOWNERS/FIRST TIME BUYERS Tonight with Trevor MacDonald are looking for homeowners and first time buyers for a programme. Specifically wanted First Time Buyers, is it the right time to buy, have you put off buying to see if the market will slow down? You’ll be able to talk…
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Should I get a "student" mortgage?
Hi. I'm a 22 year old student with 2 years left to go on my course. I *want* to buy a 2 bedroom flat, and have an inheritance of £20000 to put down as deposit. I'm planning to spend about £80000. I recieve a full student loan, and I also work part-time, bringing in about £500 a month. I was just hoping that someone who…
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when to look for remortgage deal?
Our mortgage is fixed rate with Northern rock that finishes in May 2005. When is the best time i.e. how far in advance for when we should be looking for a better deal when that will revert to N/rocks standard rate.
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Buy to let contents insurance
I've currently got BTL buildings insrance with NU Direct but am considering adding a BTL contents insurance policy. I would only need to cover £1000 to £2000 for the furniture and appliances. Can anybody recommend a provider?
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Conveyancing - Help!
I'm in the process of selling my property and buying a new one. My proprty is on the market (waiting for a buyer) and we have seen a property that we like. I have my mortgage sorted out and I'm in the process of appointing a Solicitor..........how confusing is this? I've phoned 4 local Solicitor's and asked them to send me…
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Advice PLEASE on remortgaging
I would like to know what (if anything - hopefully) is wrong with this mortgage? https://www.northernrock.co.uk/html/mortgages/generic/mortgage_prod0100.asp I need to borrow £120,000 over 20 years. Can I move mortgages after the period (2 years) and is there anything I'm not seeing about this deal that makes it not…
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Mis-sold endowment?
5 years ago, we were sold an endowment by an independent financial advisor. This was at a time when all of the negative media coverage surrounding endowments was just beginning. We were quite naive about financial matters but the advisor convinced us that an endowment was the right way to go for the following reasons:* all…
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FTB question about Freehold
I have put in an offer for a house that was on the market as FREEHOLD. My offer was accepted, but since then the estate agent has informed me that the property is leashold, the vendor is in the process of buying the freehold. I have not chosen a solicitor yet but I noted that with solicitors if the property is leasehold…
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mortgages
my mortgage is coming to its end of its 2year term in dec could anybody tell me whats the quickest and cheapest no hassle way to get another and do you have to go through the form filling! routine again to get another mortgage thanks
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Buying property in Spain
we are considering buying a place in Spain and wonder if any of you wounderful moneysavers have had any encounters in this field and could give us some pointers etc. what to do & more impotantly what NOT to do
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Long(very long) term mortgages-interest only
I am seeking advice/help as to the possibility of obtaining a very long term (?70 years+) mortgage so that my present annual rental outgoings remain within my capabilities to pay if I was to purchase a home. Any useful help would be welcome ??? Regards
