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Transfer investment fund?
Hi, I received a letter from NU last week telling me there is a high risk my endowment may not meet its intended target and has given me the option to swap from my current Provident Mutual with profit fund to the CGNU with profit fund. I have only got about 4 years to go and I am not sure if I should swap or not. Any help…
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L&G redress offer - which option to take?
In response to my claim submitted to Legal & General, I have been offered sums to redress two policies taken out to cover my mortgage. Firstly, I have been offered amounts relating to cessation of the policies (option A). Secondly I have been offered amounts which assume that I continue the policies to maturity and refer…
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HELP Need to include Child Tax Credit For Morgage
Hi Thanks for looking, I wonder if you can help? I want to move house (I have a new baby) and 1 child all ready but only two bedrooms. I have £80,000.00 equity in my house and only want to borrow £65,000.00 to move, but due to my crap wages I am unable to. What I need to find is if anyone knows of a bank etc who will take…
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Small Mortgage for a first time buyer
Hi, Could I please call upon your expertise. I wish to borrow £15,000 for a mortgage, I would like to make use of any first time buyers deals to help cover the costs of solicitors etc, I have a clean credit history, no debts. I like the idea of overpayments, but my cash flow is erratic to say the least (running my own Ltd…
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Cheap as Chips
I am in the fortunate position that I only need to borrow £25-30K to purchase a house. What is the cheapest deal I can get? Could I put this on a credit card for instance? Thanks David
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new name added to deed
My friend and her husband have been married for 10 years and have a mortgage on a house. It is in his name only as she does not work. I do not work but me and my husband own the house together and the morgage is in both names. She is concerned that her name is not on the deeds. He told her that it would cost about £4000 to…
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What's my chances?
Advice needed before I embarass myself asking banks and building societies. I currently own a property which has about 62k worth of equity in it. My partner is not currently on the mortgage. We have seen a new build house that we are interested in but need to be in a position to buy when the house is released at the end of…
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spanish mortgages
i'm looking for a spanish mortgage as i've just bought a flat in spain as an investment/holiday home. i've paid a 50% deposit but i'm hoping to borrow up to 80% of the value and bring some of the cash back to britain to pay of my main mortgage as it is cheaper borrowing out there. does anyone have any idea where i'll get…
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To re mortgage or not? solicitors fees
i'm comming to the end of a two year discounted deal with Nationwide. the option from nationwide that i'm interested in is a two year tracker at 4.79% on a 120k mortgage with 15 years to go. the fee is £389. if i go elsewhare i'll have possible fees plus solicitors fees to meet so i'm finding it difficult to see the value…
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Cheaper than 100% Mortgage??????
I am a first time buyer and interested in a property valued at £139995. I have around £8,000 savings (not much I know which I ideally need for furnishings & Fees) I have been looking around for a mortgage with no or low deposit requirements. Mann & Country wide estate agency have come up with what seems to be the perfect…
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im lost re miselling??
do i write to legal and general who they are with or do i write to dunfermline building society and nationwide who sold them
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help !!! nationwide financial services
does anyone know if they are still alive used to be part of nationwide estate agents which is now countyrwide??? i have 2 endowments both with legal and general,,, ones out in 2011 which was taken in 1986 via dunfermline building society and other taken in 1993 as top up due out 2018 only reason for complaint is ... told…
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compensation for under performing endowments
Along with others our endowment started about 1993 should pay £55,000 but is only projected to pay out £38,000. There is a lot of talk of claiming compensation for bad selling, but won't the company just say it is the market's fault and therefore the figures it originally quoted are a guideline only? Has anyone…
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Endowment Mis-selling
We need advice in relation to a company who might chase up our 'mis-sold' endowment policy. The company is called 'Keypoint' Endowment Claims. Does anyone have any knowledge of this company? Are they reputable? They charge 20% + VAT, but they do all the work for you. Would it be feasible to chase the claim ourselves as our…
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Re-Mortgage Brokers Advice
Having got L&C's free booklet on re-mortgaging, I have asked L&C and Savills to look in the following:- 1) Fixed Mortgage for either 3 / 5 years 2) Re-mortgage or £112,980 over 24 years 3) Repayment loan 4) Tie In's OK for the three or five years Has anyone shed some info on the? 1) Rough costings expected through…
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anybody help???
Hello guys, This is my 1st post on this great site, Can anybody help, my partner (28) and i (27)are thinking of moving house with our 2 children, Our joint income is approx 30k,, Our house is valued at approx 83k, of this amont we owe abbey national 55k, The new house is valued in the region of 130k but due to a quick sale…
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Fee for not taking out provider's insurance?
I'm about to take out an Alliance & Leicester 1 year mortgage. I don't want to take their Home or contents insurance. They are charging me £25 'insurance admin fee' for not taking their insurance out. Are they allowed to do that? I 'thought' it had recently become illegal to 'force' people to take out own-company…
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Predicted mortgage shortfall
Help please i dont know what to do now, we recieved a letter in from Standard Life this morning stating our endowment plan is projecting a short fall of 50% so effectivley come 2016 we will a shortfall of 21000 so our loan of £36,000 - payout £15000, pecentage might be out not sure if that a figure for £30,000 or £36000 as…
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Higher lending charge?!!
Initially I had £8,000 deposit and borrowed £122,000 for B&W fixed for 5 years at 4.75% this was taken out in March 2003. I now need to move and am selling my house I bought for £129,995 for £143,000 and found a new place I want for £127,000. I was hoping to port across the balance of approx. £118k and using the ‘profit’…
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Hoping to rent out my flat and buy a house !
Hello, Please can anyone advise some information on the below questions - I am presently staying in a newly refurbished 1 bedroom flat (block of flats had dry/wet rot and has been fully refurbished with a 25 year warranty, new roof, new double glazing windows, pointing, new kitchen etc) Current outstanding balance of…
