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Multi Currency Mortgages.
I've just read an ad for Multi Currency Mortgages they look very attractive, has anyone any experiance or knowledge of these.
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Endowment Misselling?
We have just got a "sigificant shortfall" letter from our mortgage endowment, telling us we could run out of time if I have a complaint. Obviously, I am peed off with the shortfall (£8300 on £36000 after only seven years) which increases every letter we get, but I am not sure we have any grounds which is why I have not…
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re-mortgage advice please!!
Hi, My partner & I currently have an interest only mortgage from Abbey (for 106,260.00) and are thinking of trying to re-mortgage to find a better deal. We got interest only as 1. We are pretty broke and it seemed like the only way to get back on the property ladder, and 2. because we plan to stay in this property for less…
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Help: Buy to Let Mortgages
Hi, 3 years ago i bought my home (a maisonette in the city centre). I'm now doing the place up and looking to sell and move into a bigger house (with a garden!) Basically, I've recently been toying with the idea of keeping hold of my city centre place and renting it out. I would then use the equity in the property (cost…
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Remortgaging forever
Hi there, This is my first time on here so bare with me. My current house is almost 4 yrs old. My wife and I bought it from new and changed our first mortgate after the initial 2yr discount term was up with no penalities. We currently have a 3.99% fixed rate from Yorkshire BS due to revert back to std variable in Feb. I…
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cheques when theres no account
a friend of mine with no bank account insists he can sign a cheque made out to him, over to me, simply by signing the back of the cheque. and therefore cash his cheque for him. does anyone know if this is possible or how people with no account cash their cheques????
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Bad Mortgage Advice - how to avoid
In the press today are a number of stories relating to a recent Which report regarding the quality of Mortgage Advice. http://www.thisismoney.com/20040902/nm82015.html http://news.bbc.co.uk/1/hi/business/3618650.stm So, how do you avoid getting "bad" Mortgage advice - well, I guess by being here at all you are some of the…
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best place to sell an endowment
I've got an endowment which I kept as an investment after changing the morgage several years ago. I now want to sell it, any tips or suggestions as to where I will get the best price.
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Advice please about pitfalls when renting.
Despite my user name I am not quite loaded enough to buy a property, or at least I would rather rent somewhere and watch the housing market for a while. My main three concerns when renting are: 1) What steps (apart from returning the property and inventory in good condition and getting a written receipt for my deposit) can…
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property survey
Hi all When applying for a mortgage to purchase a house, Is the survey based on the selling value of the property or the value of the purchaser's mortgage. Say the property was on the market for 80,000 pounds and the mortgage 65,000 pounds.
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Is a self-certified mortgage what I need?
I am in an unusual posiiton which means I don't fit the standard criteria for getting a mortgage, yet am paying £550 pcm rent and have £40,000 for a deposit. Here's the story: I had a mortgage up until 1999 when I paid it off by borrowing from my parents and paying them back monthly. Last year I sold that property as I was…
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Confused about remorgage!?!
Hi all.....Im all confused about remorgaging?! Let me start at the beginning....(ill try not to waffle!).... ....Im looking to remorgage because Id like to take out some equity for home improvements (Im currently the proud owner of the worst bathroom ever! ;D) and to pay off a car loan....here's my setup so far: Current…
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us libor tracker
I am about to change my mortgage after a 5 yr fixed rate. What do people think of the tracker mortgages linked to the US Libor? They look a good deal to me! RD
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Endowment Compensation Calculations
Just received a letter from the Halifax regarding compensation for misselling of endowment by Leeds BS. They have given me a choice of two options on how I want the compensation calculated :o . I know I've seen an explaination on this somewhere. Can someone point me to it or could DD explain again. Thanks!!
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Mortgage Transfer Help Needed
I am writing for some advice please. I currently have a two year tracker mortgage from Nationwide. This is due to expire at the end of September and I my rate is therefore going to change back to the basic rate. I have been offered a number of alternatives, all of which will cost me £349 to change over to. These consists…
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Help for adverse info
I'm in the middle of applying for a mortgage. Everything going swimmingly until a credit search showed "adverse info". though I have never had a credit card, loan, borrowed a penny etc....I know this never works in your favour ??? Was wondering if anybody knew how to get a free credit search done online. Any help would be…
