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Endowment Mis-selling - Do I have a case?
???I have considered trying for compensation for our endowment for a while and finally decided to try before it was too late. So anyway I went to the endowment action site and basically followed the standard letter which went a little like this: "I am writing to you to make a complaint about the way I was sold my mortgage…
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Restrive conditions on buy to let mortgages
Can anyone recommend a mortgage company who will offer a buy to let mortgage even though I wish to let to a family member?
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I have thought a good deal about this.
A the leading independent mortgage adviser, is offering a market-leading two year Base Rate tracker for those looking to remortgage. The deal, which offers borrowers a rate of 0.16% below Bank Base Rate (BBR) for two years, has a current pay rate of 4.59% (5.9% APR). It is available up to 90% loan to value (LTV) and…
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100% mortgage
how much extra would i be payin for a house worth say £70 grand if i got the 100% mortagage? i only earn 600 and partners earns 800 a month.
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Interest Only Advice
Firstly, appologies if I'm cross posting here, or doing wrong...forgive me, I'm a newbie lol. Its that time again, two years up, and its time to enter the mine field that is remortgaging for a better deal. If this isn't all completely confusing enough, I'm looking for some advice, info, whatever anyone knows about Interest…
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ReMortgaging Advice
Hello all, I'm currently with HSBC on a Hometrack mortgage (5.75%). My 3 years interest only period ends in Feb. so I've started to look around for a better deal. The first one that interests me is the Hinckley & Rugby flexible mortgage at 5.3%. There are better rates around but this one offers flexibility and no up front…
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Update: IFA Advisor bill missold Endow. ADVICE PLS
Earlier this year I wrote about being unfairly sold an Endowment policy claim with Standard Life. They offered me £350 to put towards a Financial Advisor. I took this up and as I wrote in the earlier thread she was here for around 40 mins max and gave me useless advise and nothing I already knew, in fact she talked about…
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best re mortgage option
Hi there i have a property worth £185000 and have a mortgage of £102000 what will be the best mortgage for me i am currently paying £688 per month. I have no penalties to pay . Would the one account suit me ? I have no big savings to put in .
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Remortgage: increase loan and buy a car?
hi i've just been it with a £100 increase per month in my mortgage from intelligent finance any advice what to do next? my house is worth approx 220,00, my current mortgage is approx £142,00 and i earn close to £38,000 i have an offset mortgage with IF and about £18000 in savings, although i have about £10,000 owing on the…
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Halifax problems
Hi Recently i remortgaged or had a review with the above. I was told by the adviser my first payment would be £708 today, then today they took £945 ish. When i asked why? I was told i had to pay initial interest. I was then told my payment would then reduce to £814 or something similar from November. Yet I have it in…
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First Time Buyers: Get some help from HSBC...
HSBC is offering a helping hand to first-time homebuyers worth more than £4,800 per person. It is giving them the chance to pay interest only for the first three years of the loan. This will more than offset their buying costs such as solicitor's fees and stamp duty. HSBC's HomeStart mortgage can reduce the monthly…
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Remortgage/fees/Credit checks
When a lender specifies there are (non-refundable)arrangment fees for one of their products, when do they do their credit check? Do they make you pay the fee immediately, and if you fail their credit check you lose it?
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Mortgages- how much do people actually borrow?
I'd be curious for to see the results of a little mini-survey on this one. Lenders seem to be very keen to offer frighteningly large sums of money (eg upto 5 times salary)- which seems slighty made. However, in reality what do people borrow? Does anyone have any idea of the typical range of borrowing that someone earning,…
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Mortgage advice needed for a first time buyer
Hi, I'd be grateful for any advice that you can give me about mortgages for first time buyers. Here are the basic details: My partner and I are currently looking to buy our first property. She earns £18100 per year and I earn £15500. I have student loan to pay off but apart from that we don't have any other outstanding…
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Time to change mortgage
Hi I currently have a mortgage with Northern Rock. I've had it for 2 years and at the time i took it out i got help with costs but this was over 3 years so if I move company I have to pay half of this back. They are offering me a three year fixed at 5.59%, again they are offering help with costs but I made sure to check…
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Newbies need advice
Hi everyone, My partner and I are currently trying to buy my existing home of my ex husband. Everything has been pretty much agreed (apart from a query on Capital Gains Tax which I'll come to later) and we are now in the process of finding a mortgage. Do any of you know about Egg Mortgages? We have found one that seems…
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First Time Buyer!!
Hi ya im hoping i can get some advice, im 18 yrs old (i know its young) and my partner is 22 we are looking to buy. Im not sure how or what are the best options for me. We live in an area where house prices are very high well they are everywhere but would prefer to buy a run down house and do it up to how we would like it.…
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Bank Error
I have recently re-mortgaged and the bank transferred more than it should have done into my account. Can anyone tell me if I have to give this back. I have this attitude as the bank made me increase my buildings sum insured by £50,000 without ever valuing the property - another example of profiteering
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equity release
can you give any advice on the release of equity? We have property, no dependants, so any thoughts on how to release any equity we have so that we may have more financial stability now? ???
