-
Remortgaging guide
Hi. I applied for one of Martin's remortgaging guides ages ago and have never received it. Anyone know if he is he planning on producing any more? I can only get online at work so don't really have the time to read through all the material on-line during the day. Thanks!
-
mortgage for ex wife!
Hi all. Would really appreciate any advice. Am still on mortgage for ex wife even though we have been seperated for 2+ years and she has been paying the mortgage during this time. House was given to her as divorce settlement value approx £160 K with mortgage of £59 K Trouble is she has found it difficult to get a mortgage…
-
self certificate mortgages
does anyone have any views on these?
-
Interest only mortgages
Evening all, Im currently looking at my options as i am going to move out of my parents house in a few months and get a place of my own. m not sure whether to rent of buy. If i rent the current average price for a flat or small house it £340pcm. but as everyone knows renting is dead money so i am looking at possibly buying…
-
Prudential - Miss sell Endowment
I am currently going through the complaints procedure with regards to the miss selling of an endowment policy back in 1988. The Pru have sent me some paperwork to fill in and asked "what woulld you like us to do about your complaint". Should I be asking for anything other than acceptance of a miss sell and compensation???…
-
To Repay or Not?
If I have savings in a not very good account, would I be best to open an ISA or repay part of my Mortgage?
-
canada life endowment?
I need some advise anyone else on here got a canada life endowment is so whats there situation with it? Here is mine i was about 21yrs old and was a first time buyer and not sure what all the fuss was at the time over remortgage and endowments but i was more lead to a endowment and it was less at the time and i was told it…
-
Mortgage Overpayment vs Arrears
Does anyone know: If someone has overpaid their interest only mortgage for 5 years and then does not pay the mortgage for several months, would the mortgage account be considered 'in arrears' at the point of the first non-payment or when the non-payment amount exceeds the total of prior years' overpayment? Thanks.
-
Is their an alternative to capital repayment?
Im currently on a capital repayment mortgage which I took out last year but want to know from other members if there is any alternatives?? I know endowments have deceased - what other ways can I pay interest only to the mortgage company and invest money elsewhere in the hope the mortgage can be paid off early - a risk free…
-
Why owe £1 on a mortgage and not pay it off?
Does anyone have any information as to why my parents owe just £1 on their mortgage and have been advised by the Halifax not to pay this off for many years? Is this a common thing? I'm concerned because my father has recently been diagnosed with terminal cancer and I am tasked with understanding both my parents assets at…
-
can this be done?
hi all.i dont want to go to a mortage adviser just yet,the last one must have sold on my details cos we were plagued with calls for about two months after. now onto the problem. i have a house on the market for £150,000,the outstanding mortage is £36,000.we have credit card debt of £4000 (limit is £15000 ) i earn £30,000 a…
-
Deposit -v- Debt
HI all, I'm looking at getting my first mortgage. The online calculators I've looked at suggest it's achievable but quite tight. I haven't got as far as speaking to any banks or brokers yet but was wondering. I've got £12k in savings is that best used as a deposit or would I be better advised spending £5k to clear all of…
-
Buying a house
I'm 19, and currently living with parents. I'm pretty sick of it and want to move out. I'm in an apprentice spark, so wages in 2nd year just now are £12000 a year. This goes up every year. I think I want a mortgage, so I can get my own place. But don't know if I'd get it. Or how much I'd be looking for really. The other…
-
Mortgage while on benefits
Does anyone know of a lender who will take benefits as an income for a mortgage? I get DLA and IS but lenders seem not to want to take all the income into account when working out their lending multiple, and so only offer a paltry amount. Any recommendations?
-
Home bank Plc - Opinions
I was contacted by these guys tonight to talk over mortages and so they could get one of their "consultants" to come out to us. Does anyone have any experiences of them? Thanks Pat
-
Which Lender/which Deal
Hi moneysavers, need some of your valued advice. We are currently near to completing the self-build of our new home, which has been financed with the help of a £100.000 loan-facility from our bank the HSBC. The loan will have to be converted to a mortgage on completion,but we are unsure has to whether to get one from the…
-
Have no idea.....£10,000 more please
:confused: Help, I have just taken on my first mortgage on my own (previously with husband but now divorced) I am tied in until September next year. I wish to extend my house with my new partner and have to raise £10,000. Is it best to remortgage? Do I have to go to original lender for the money or can I shop around?…
-
Chelsea cashback mortgage?
When my fixed rate on my mortgage ends I'll owe £25000 with 10 years left to pay. (I believe this is the lowest nearly all lenders will allow you to borrow)? If this is the case can any1 offer any advice on what mortgage to take out. The Chelsea cashback would give me £1500 but would have 5yr tie-in. As it would be…
-
Tracker vs SVB
Which one is the best and why?
-
Re-mortgaging Help please!!!
Hello, i currently have a mortgage with the alliance and leciester, which has 7 years and 10 months remaining term, along side this i have two home improvement loans, when i first took out my mortgage it was a endownment mortgage but due to unforseable circumstances, realised that with this type of mortgage a hefty…
