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Remortgage to a GOOD Fixed Rate
Hi All, We Arelooking to Re-Mortgage and take some equity out of our house to pay off some other bills. Thes Best i have found for our ioint salary of £44040 is Abbey as they offer 4.2 x joint salary and a fixed rate of 4.99% for 5 years. I think Abbey are the most generous with Income Multiplier anyone know any different…
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2.99% fixed for 2 years? Who can tell me where the catch is!?
I was looking at my Cahoot account today and wondered what mortgage deals they have... They just offer a click-through to CharcolOnline, where I found this: http://mortgages.charcolonline.co.uk/Mortgages/BestBuys/productinfo.aspx?LenderProductCode=7328&type=0 I currently have a 3.49% 2-year fixed ending in a few months and…
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What is the lowest rate offset with Long Discount?
What is the lowest rate offset ( or Current A/C) Mortgage with Long Discount Period?
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Offset mortgage help
We currently have a £140K mortgage split between £63K on endowment and the rest on repayment. We have £20K sitting in an A+L savings account that doesn't earn us an awful lot of money. Would this £20K make a good difference to our mortgage if we went for an offset ? We rarely have any money left from our salaries,so the…
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Best place to sell an Endowment ?????
Hi, Just trying to decide who to go with. I have been told to contact Association of Policy Market Makers (APMM)...what do you think? Also I have a surrender value from the company I have the endowment with...guys here are saying that you should never surrender it back to the original company as you get a better price out…
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Credit problems and Mortgages
I have credit problems. I'm currently debt free, but have had payment problems in the past. I've completely cleared all my old debts (all paid in full, not settled), but am still being refused credit. I want to buy a house, but can see no soloution, as I can't see companies lending me money with my current credit problems.…
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Should I get rid of my endowment policy
Hi, I have a small top up endowment left from an old mortgage arrangement. I took it out with standard life in may 2000 when we moved house. We now have an offset mortgage. I keep getting paperwork for it saying it is an amber alert. It is with standard life so I am not sure if I would get any money if they demutualise and…
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defective rtb council house- no mortgage maybe a bank loan?
Hi all, Any suggestions please. We have applied for right to buy council house but are having problems getting a mortgage. Council valuation 45k Actual value after improvements we have already made , at least 60k Price we need to pay after discount 31k. The problem is that the house is made of concrete. Its called WATE…
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Mortgage brokers in Stafford area
Can anyone one recommend any mortgage brokers and/or Independent Financial Advisors in the Stafford/Stone area? I've currently got an endownment mortgage that I probably need to change to a repayment but need some sound advice first. Also need advice on my other investments and debts too. TIA
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Leaving job while mortage gets finalised
Hello I am currently waiting on my mortgage getting finalised, but i am exeriencing a real bad time in work. the only thing holding me back is that i am afraid mortage falling trough if i leave with out getting a new job first. The thing is i need to leave, would like a few weeks braek and then start hunting for a new job.…
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Clydesdale Bank OFFSET Mortgage 2Yr Fixed 4.65%, 5 Yr Fixed 4.75%
This was featured in the money section of the Sunday Times at the weekend. Seems a very good rate, but it says it is available via selected brokers only, but doesn't say who they are. Anyone know who you can get this rate from. My existing 3.79% fixed has just ran out, so looking to mimimise the damage.
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Mortgage advice from 1st time buyer
Hi people, quick brief concerning my situation: Both me and my GF are 24, im self employed and my GF is employed. We have offered on a flat for £142,000 which has now been accepted and we are currently in the process of organsing the mortage with an advisor. Now i am slightly concerned about the mortgage for myself. I have…
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Fixed Rate Mortgage
Hi-I am currently looking at applying for a 5 year fixed rate mortgage. Can anyone recommend a good rate or mortgage deal? I am currently with the Abbey and will soon be coming to the end of my 4.99 fixed rate soon. :beer:
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Would it be a mistake to . . . ?
take a mortgage out with Alliance & Leicester :confused: . My partner and I hope to take out a mortgage soon, well, before January. I have read that there are problems with A & L's savings and current a/cs, might it, therefore, be a mistake to take out a mortgage with A & L. The maximum we choose to borrow is £125,000 and…
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Mortgage Insight
Does anyone have any experience of a company called Mortgage Insight. The concept looks really good - apparently they track / manage your mortgage and other financial bits to make sure you have the best combination of accounts etc on an ongoing basis. Any thoughts or actual experience please thanks Sooze :j
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Norwich Union/Comm Union Redress Amount ???
Hi, After pieces of correspondence backwards and forwards I finally got a letter today to say they are upholding my claim and offering me compensation......I originally started this back in February 2005. They have based the compensation on if I had taken out an repayment mortgage and compared this amount with my actual…
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2% four year discount mortgage
Been looking at the 2% four year discount with Barnsley B.S. Small mortgage to switch, K54.5, over 19 yrs. There's £325 cashback and an early repayment fee if within four years (but who cares at that rate). Asked them about increased/lump sum payments and they said essentially there were restrictions but 'head office never…
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Help please! V. confused!
Hi, I have to confess to knowing very little about mortgages and how they work, but in conversation with my flat mate, she pointed out that with the money we pay on rent, we could instead get our own place. There would be two of us, and I think I read that you can get mortgages with special conditions so that if either of…
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Mppi
The company I work for looks to be going under in the next few months. I had a look on web for mortgage payment protection insurance but includes all sorts of rules/regs..... 1. It won't pay out in you know of impending redundancy (fair enough I suppose) 2. it will stop paying out if you don't accept job, or stop payments…
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Some Advice Please
ok firstly i have never been on here before so i hope i am posting in the right place. My husband has just been promoted with his work and as of from september we will be living at the hotel where he works rent free this will be for 2 years and we are wondering what and where we should put our spare income which we will be…
