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payment protection
hi all,thanks for looking.my question is.could anybody tell me::: i claimed on my abbey national payment protection policy last year for 12 months and then the payments stopped.(12 mon ths up) am i entitled to claim again at all, after another 12 months has passed since i last claimed.i have been continuously paying the…
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Friends Provident Mis-selling Endowment (Advice Please)
Hi, I'm after a little bit of advice, its not actually for myself, but rather my dad. He took out an endowment with Friends Prov 13 years ago, and it is going to under-perform by about 8k, and thats even if it picks up in the coming years. Well, my dad has put in a compliant that he was mis-sold this endownment, on the…
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Pru admit mis-sell but ....
After reading advice on MSE and sending just two letters the Pru have admitted mis selling me an endowment product. Thanks to all those members who helped along the way. The problem I know have is that their offer of £550 compensation does not compare with the £6000 estimated shortfall (at 6%). They say that is the…
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Is it possible to buy Joint MPPI?
Hi there, I'd appreciate some advice on buying joint MPPI. My partner and I are buying our first flat in Brighton this summer and are looking to protect our payments. We've decided not to buy life assurance now, as we have no kids (we're gay, so that's not on the cards for a while either!). However, we are going to buy…
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best mortgage advice -1st time buyers
Hello all, this is my first post on this forum, a friend of mine told me to have a look here, and it's great! I am in the process of trying to buy a flat with my girlfriend and we wanted to know what is the best mortgage to suit our circumstances. We are both in full time employment and have a joint income of £ 45,500,…
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Newcastle BS 5.15% 10yr Fix
http://online.newcastle.co.uk/mortgage/index.htm also they do a offset /fix combo 5yr @5.05%
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Overpayments calculator
I found this and thought some people might like to play with it. You type in an amount to overpay your mortgage by and it tells you how many years/£s you will save. http://www.channel4.com/4money/mortgages/features/overpayment_calculator.html
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How long to remortgage ??
The introductory rate on my mortgage runs out in a couple of months and I will have to pay the full rate. Obviously I'm not going to let that happen, but was wondering what kind of time scale I should allow to complete the remortgaging process ? Thanks.
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Mortgage Affordability Test
Just recently been turned down for a remortgage with Portman on affordability grounds. Single parent, one 12 yr old son, been paying mortgage for last 3 years on current property with no problems, and no problems with missed payments on any credit agreeements. What Portman told me they had done, is worked out an estimate…
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mortgage while on benefits
Since taking out my repayment mortgage 2 years ago, I have since had to go onto benefits. (hoping to come off them within the year). Anyway, my fixed rate runs out with the Abbey soon. Today I spoke to them and decided to do a fixed rate for 15 years, which means it will always be £380 a month. (I owe £57k on mortgage). I…
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Worth paying extra to mortgage?
Was wondering if it is worth paying extra to a halifax fixed rate mortgage? The halifax said i can pay up to 10% extra without any early repayment charge. Is this a good idea?
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international money transfers
Looking for the best way to transfer money from a bank account in Australia to one in the UK. approx £3000 Not just the most cost effective but also secure.
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Confused about the whole thing.
Hi, This is my first time using a forum (ever!) :D My fiancee and I are looking at selling up and moving house. The house was bought with her and her best best friend (her best friend did all the work when it came to the mortgage.) The mortgage is with Halifax and we have no clue about mortgages and what would be best for…
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What does anyone think i should do!!!!
Hello everyone! i have had a mortgage with the alliance and leicester for approx 18 years, this was an endownment mortgage, basically i was advised by the a & l to switch to a repayment mortgage as the endownment mortgage would not be sufficient, with effect from sept 2003 at a fixed rate at 3.89% i agreed for my mortgage…
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Mortgage whilst having a loan
I earn £30,000 per year. However, I currently have a loan of £25,000. Nevertheless I have been renting property for about four years and I am sick of putting dead money into dead property. I am currently living in a nice maisonette paying £600 per month but I have the option to buy it at £130,000. Are there any mortgate…
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Changing mortage internally
Apologies if I seem amateur, and I promise I have read through threads here, but I can't seem to find a straight answer. Here's the situation: I took out a 25 year mortgage with Halifax (Endowment) coming up to six years ago. The first two years were discounted rate, then I was tied in for three years after. In the…
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Mortgages and benefits
Hi, Has anyone any experience with this? Do companies even take benefits into account? Does it depend on how "reliable" the benefits are? Do they ask to see sprecific documentation? Could it be detrimental to the whole process if I declare something (ie. could it open w hole can of unnessary worms?) Cheers x
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Financial Advisor or Mortgage Broker
My wife and I are about to buy the second half of a shared ownership property we've lived in for six years. We are obviously going to need a new mortgage deal to purchase the other half . I've downloaded the Remortgaging Guide from MoneySavingExpert.com, and am currently attempting to get clued up on the ins and outs of…
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Buildings Insurance and Mortgage
Does anyone know if I have to have buildings insurance as a condition of a mortgage? I know when we first moved in and took the mortgage we had to have buildings insurance but the cover has now lapsed and we are in dispute with the insurance company who are refusing to underwrite us. Does this mean we are in breech of our…
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Endowment advice - make paid up or continue paying?
Hello, I hope someone considerably more au fait with endowments can offer me some advice. I pay £60 per month into a Friends Provident endowment (with profits, I think). I originally took this out in 1989 when I bought a property but it is no longer linked to a mortgage/property as I'm renting now. I'm aware of all the bad…
