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"Have you dealt with..."
Have you dealt with http://www.millfieldmsc.co.uk/ ??? I am keen to hear any stories about this Mortgage Broker company. Are they any good. Do you strongly advise for or against using there services. Should I agree to a visit from one of there 'Reps' to talk to me & my partner, Re: remortgaging. Any advice is most welcome.…
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Old Peps New Isas
we are just going through a remortgage after being on a prudentional gold pep for 7 years its worth poop we have sent letters back to freeze them my wife and me have one each whats the best to put them in ie transfer we put £41.00 between us we want to put them in some thing to repay a £20.000 intrest mortgage,are cash…
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what do i do? advice needed on new buy
took a direct line morgage out a few years ago that was portable.now theyve changed there conditions and its not :mad: i wana move house and they tell me ive gota pay the fee,s etc to have a new morgage at the new property with them. not happy. i only owe a small amount but kept it going so i could move with no hastle. so…
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Virgin 1
Dropping credit interest rate from 2.75% to 1%. Obviously RBOS profits need to be boosted. :mad:
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Hello Clever people
We got a 2 year discount mortgage with A&L last May/June for 130k. If we wanted to move now or in the next 6 months we are able to move the mortgage to new house. 1. Say we want to borrow 40k more but A&L do not want to lend to us, but Abbey would. Is it possible to get 2 mortgages with two different companies? Does this…
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Mortgage newbie question
Hello, I am quite new here and just want to ask a question about mortgage. I need to borrow 120000£ and have a deposite 30000£ there. Is it better to put 3000£ of my deposite into ISA and borrow 123000£ instead? For ISA I can get more than 5% interest and it is tax free. If I choose a discounted mortgage which has lower…
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Redemption Penalty
just Thought I'd Let People Now About My Success With Abbey National, We're Paying Off Our Mortgage 7 Mths Earlier Than Contract And Given An Early Redemption Penalty Of Nearly £3000, I Wrote A Letter To Abbey Requesting A Reduction Of £1000 On The Basis That The Penalty Was More Than What They Would Acctually Lose In…
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Mortgage for Dream Retirement Home in Caribbean
I have about 10 years before retirement and am thinking of buying a property in the Netherlands Antilles (Caribbean). I intend to keep my existing property and let out the caribbean property to mostly until my retirement. I own a home worth around £250,000 in the UK and no longer have a mortgage. I am interested in raising…
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1st time buyer, from family !!
Help !! Can anybody advise on the following ?? My son & his partner live in a house owned by her mother, they pay monthly rent (£320). They have been given the chance to buy the house for market value less 1/3rd (as there are 3 children the mother has knocked off the third inheritance) this works out at approx £70,000 to…
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Freezing my mortgage
Hi, Does anyone know if I can freeze my mortgage? I’m currently paying rent on one property in London and still covering the mortgage on the property I’m trying to sell, someone had put an offer in and things were swimming along quite nicely, however they pulled out on Monday. With paying for both properties my monthly out…
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Endowment Misselling Complaint - Help
Hi My letter of complaint to the building society regarding being mis-sold an endowment has been rejected as I "haven't suffered financial hardship" according to their investigation as our endowment will show a small profit. I did not complain that I was suffering direct financial hardship but that basically we had been…
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Is my Mum getting robbed? Please help
My mum who is 67 years old recently sold her house, she is staying in rented accomodation at present and now thinks she has found somewhere suitable that she is going to buy . I know very little about mortgages but my mum knows even less . At her age she is , shall we say not as wise as she once was . I phoned her tonight…
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Mortgage help appreciated 5 years fixed
Hi, I'm new so Hello :D I am looking for the best 5 year fixed rate mortgage. The best I have found so far is the Alliance and Leicester @ 4.99 I am currently with nationwide but there fixed is @ 5.29 (I think) Is there any better deals out there to be had? Info. Just about to buy a new house..........150k morgage required…
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Step By Step For Compensation On Endownment
:eek: Hi would anybody be able to give me a step by step guide to see how and if I can Claim Compo for my endowment having a shortfall. I purchased a house from an indepentant estate agent who actually owned the house and they arranged the morgtage and endownment policy i was pursuded to take out an endownment policy as i…
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Nationwide Introduce New Fee? Is it legal?
Has anybody received a mortgage statement from Nationwide recently. They are introducing a new fee of £90 for mortgage redemption on existing mortgages. I don't understand how they can introduce this new charge into an already existing financial agreement. My question really is whether Nationwide are within their rights to…
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Mortgage help wanted please (Poss self-cert?)
Hi All - First post here, so please be kind :) We currently have 22 years left of our mortgage with Halifax, and owe around 65,000, with the house now worth 130,000. Since taking out the mortgage, our financial circumstances have changed completely, and our main income is now through my self-employment. We would be looking…
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Self-build Mortgage - Endowment Claim
Hi I have a miss-selling claim going through at the moment. I was sold an endowment to run along aside a pre-exisiting endowment. The second endowment was to cover a self-build home, and related to a "self-build" mortgage, i.e one in which funds are released at set points during the construction process. Was it ethical to…
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Interest Only Mortgage?
We currently have a repayment mortgage thru Nationwide BS and have recently had two small children, my youngest is 3 months and my eldest is 14 months and I am currently on maternity leave but due back to work in about a month... I was wondering whether it would be an idea to change our mortgage to Interest Only whilst I…
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Paying Off Mortgage
Hi, I have an existing mortgage with 55K left to pay with Alliance & Leicester and have finished my 2 year discounted rate and five year redemption period. I have come into money that could pay my mortgage off but this will be received in 3 instalments over the next 2 years. I would like to know, should I keep the money in…
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[b]help - Should I Get A Mortgage[/b]
My hubby and I want to do some work to the house - have the garden landcaped, garage converted to a play room & utility room (it's too small for cars unless you have a smart car) and buy some new furnishings. We currently own our house in full and it is worth approx £215,000. We have one loan at the moment for £6000 that…
