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Fixed Rate - 2 Or 5 Year Deal
I am looking to renew my expiring fixed rate deal and looking for the best deals around. I now wish that I had taken my previous deal over 5 years not 2. Do you think it would be better to take the next fixed rate out for 5 or 2 years. Any help would be appreciated. ;)
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New Buyer - Advise Request
I have been reviewing this Forum many months leadin up to my purchase of my first house for my better half and daughter. Even with all the valuable information gathered I am still at a loss to know where to start. I have chosen a property that has come onto the market last minute and will end this coming Friday. The reason…
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Remortgage question
Can you remortgage a house with a second charge on that property ? as the remortgage is to be used to pay off the second charge. If it is possible is it best to go to the current mortgage provider (Woolwich) or to try a new mortgage company ? Any ideas would be helpful.
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Parents in Law paying mortgage off
My Parents in Law are on about paying our mortgage off for us. We owe approx £40k i know that if they both live longer (which i hope they do) than 7 years than we wont be liable for inheritance tax. Is it better to keep it quite or is it best to tell whoever we tell. Sorry to sound so dumb.
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Best BTL Deal - Ready to Proceed
Personal Details :- Husband (38) & Wife (33). Husband able to provide last 3 months wage slips to August 05 (but leaves job next week) - salary £16,500. (Will be HGV lorry driver from early September doing Agency work). Wife not working (but savings income of £3,500pa). Both with excellent credit rating. Previous…
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FTB Big Problems
Hello I was wondering if anyone could help us at the moment please. Basically i live with my girlfriend and child in a council flat which is costing us very little a month. We want to get on the property ladder and move into a 2 or 3 bedroom home, with a garden for daughter to play in. We want the extra room as we may have…
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Change rate after exchange of contracts?
Hi there, I am about to buy a property and have been told the vendors are ready to exchange contracts. However, my current offer is with Alliance&Leicester 5 yr fixed at 4.84%. This rate has since dropped to 4.49%. Rather than switching to the lower rate now (and paying their £195 "post offer switcher fee") I wanted to…
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Urgent Help- endowment sell or get loan
Can anyone help me please. My endowment complaint is with the Financial Ombudsman, he's had it over 15 months and says due to volume of complaints it hasn't yet been forwarded to an adjudicator, I first contacted Abbey National in 2003, so it's been going on a long time. My endowment is with Scottish Amicable, taken over…
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Buy To Let Mortgages
Are emmigrating and have decided to rent out our property - any recommendations for buy to let mortgages?? This is my first thread - would greatly appreciate help!! Tefal
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ATR Question
Hi I was sold a Commercial Union endowment (who are now Norwich Union) by a Norwich and Peterborough tied rep in 98. The fact-find used the following question: "When addressing the solutions to fulfill your current priorities, which one of the following statements best describes your feelings towrds future investments:" 1:…
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Buy to Let mortgages.
I'm currently in the process of remortgaging my house to release funds which will then be used as a deposit for two Buy-to-Let mortgages. I don't intend to make any 'real' money from it as i'm hoping it will provide a more secure pension in years to come. As there seems to have been an explosion in these type of mortgages…
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Endowment surrender ?
Sorry if this has been covered prev, but cant find specific thread. Brother in Law claimed compensation for mis sold endowmwnt.( with advice from the Which website) he was pleased with result, but we were concerned because he had to surrender the policy. I filled in an online questionaire from a "company" ( only dipping my…
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Claims firms to be regulated
Might be a bit late
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Paying off loan and remortage
Hello All My inlaws have outstanding debt of £16000. They own their house last valued at £115000. A sudden ilness has shattered their plan of paying the loan of before retirement in 3 years. i am looking for a way to free equity in their home to clear the loan, but ideally i would like to do this without any repayments for…
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The One Account - Stick Or Switch
Hi all - my first message, so by gentle with me. I wondered if anyone has any tips. We are planning an extension costing £40k and need to raise this on our mortgage. Current borrowing on One Account is 53K, facility at 70K. To borrow what we need and keep our "reserves of cash on account", One Account have quoted nearly…
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Mis Sold Mortgage,Adviser Gone?
Hi My question is I was told that my edownment would pay off the mortgage in 1994 but now the advsor is no longer there nor the estate agents, what would be my next step in complaining?
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Interest rates going down???
Hi there, As a person who's fixed rate mortgage with nationwide is up in September, I was really interested to hear that some analysts reckon the Bank of England interest rate is going to be cut when they meet next month. If this is the case, does anyone have any idea when this will be reflected in the mortgage rates as I…
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recd offer from nationwide re- miselling.. correct amount?
total offered £847.94 capital comparison differece on interest only to repayment - £2150.80 endowment surrender value £1434.20 redress 716.60 out goings over mortgage period endowment mortgage cost £6716.39 repayment £6585.05 difference 131.34 TOTAL £847.64 THIS IS A £7000 WITH PROFITS ENDOWMENT TAKEN IN 1993 ARE FIGS…
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125% Mortgage
Hi,i've come across a 3 bed end terrace,needing a little attention for 45k,great price as the properties in this area are being sold for 85k and rising(Merseyside),the problem is i haven't got savings to cover the deposit and fees,so iwas wondering if it would be worth getting a 125%mortgage?The maximum borrowed would be…
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Large mortgage advice
I am looking at remortgaging a substantial mortgage, where traditional income multipliers do not apply. Are there good specialist brokers out there? Thanks for any advice.
