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Fixed mortgage Advice Required.
Evening All, I am coming to an end of a Fixed Rate period of 3.99% with C&G. They want £199 for me to go onto another product, the fixed rate they offered is 5.09%, which seems really poor to me. I've scanned around and was going to move to the Nationwide, their 2 year fixed deal with no fees seemed very good. however I…
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new partners of divorcee's with outstanding unresolved asset division
hi this is a brief synopsis of the problem i am moving in with my partner who is pregnant with my child and her two children from her marriage she was divoced by her husband a year ago but they did not sort out a financial settlement on the property at the point of divorce. she earns to little to borrow more from the…
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Complaint or not?
First timer here, but have lurked for a while. I'm in a similar position as a couple of other posters, i.e. have Standard Life with profits so am planning to wait for demutualisation and I'm not relying on it to pay off my current mortgage (I sold and rented due to relocation, started a new repayment mortgage March 05 when…
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How long do you wait after complaining for shortfall
Hi, I put my first complaint letter in to C&G Febuary this year and after a few letter's telling me It's all in hand I havent heard anything for a couple of month's! How long is the average wait??????????? :confused: Kind regards Ashes
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New Baby..need bigger house problems
Hi We took out a mortgage with Bristol & West 7 Years ago (endowment) for 34K, the value of our property. We then converted to a fixed rate @ 4.75 with B&W in 2003 until 2008. Our property is now worth around 95K. The situation we are now in is that we are expecting our second child and really could do with a bigger home…
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Mortgage based on valuation
can someone be kind enough to advise me of lenders that will lend 85% based on valuation for BTL purposes.
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partner Moving out - help need on mortgage
Ok, im really hoping someone can give me some idea on this issue. Basically i have split up with my partner and he is moving out so if i can i want to take on the mortgage on my own. The outstanding mortgage amount is £122K and the house is now worth about £165 (maybe!). Therefore assuming i can raise £21,500 from other…
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Retirees & mortgages: advice needed urgently!
Apologies in advance for the length of this question. I’m 59 and retired; my wife is 57, and working. My early retirement was not elective, but a compulsory redundancy. My private pension is £7,000, due to rise to £8,000 pa at age 60. My wife earns £15,000 pa. Our combined income is, therefore, £21k at the moment. We have…
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Fixed rate watcher
aaaaaaaaaa
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Arrangement Fee's
Does anyone know of a bank or building society that are doing a good fixed rate mortgage with no arrangement fee please.
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Standard life endowment surrender or keep
We have had this policy since 1994, currently it is split between a managed fund and a life with profits fund. Frankly it is not doing well at all we have changed our mortgage to repayment so no longer need to rely on this to pay out which it won,t anyway.It was supposed to pay off £48k mortgage but currently the surrender…
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How can I reduce my mortgage payments while waiting for the housing market to pick u
I came to the end of a 2 year fixed repayment mortgage in December 04 with Portman. They offered me another fix but at the time I was approaching 60 and wanted to retire and sell my house and buy a smaller one. I figured I could stand the variable rate for a few months until I retired in April- mortgage is about £38000.…
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alliance and leicester rates
hi there , i was about to sign a two year fixed rate deal today based on a rate of 4.44%...and 295 arrangement fee ... when i decided i would check thier site one more time just on the offchance ..guess what... the two year rate has now dropped to 4.24%.. I phoned them up right away to see what would happen if i had signed…
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overseas mortgages
Hi Anyone know of a UK mortgage that can be used to purchase property in Bulgaria? :confused:
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Am I a first time buyer?
Hi everyone This will sound dim: but am I a FTB? I'm abiut to be divorced and (fingers crossed) removed from my old IF mortgage, receiving a lump sum as a clean break from my ex. So I'll have no mortgage and a deposit ready to buy. Will I qualify for first time buyer deals? I don't want to lie to lenders obviously, but I…
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Being my own IFA
Hello, I am one of these best-rates people who tries to keep on top of the game by remortgaging every once in a while to chase a better rate. My latest example is a mortgage through an online broker, where the broker got 500 pounds commission. I wonder how can I get my hands onto this money. Two scenarios: 1. Mortgage for…
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champs
I have cashed in an endowment which was doing so badly.At present I am tied to a fixed morgage rate of 3.85% till next Oct 06 hence can't pay off some of mogage with the cash.I want to invest the money for a year in a high intrest paying account so it can be used next year to pay off some of the morgage . Any suggestions…
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Think You Were Missold Your Endowment Complain Now!!!! [CLOSED]
This thread has now closed. Please use this new thread to continue the discussion. If your endowment was missold (meaning not just that it will underperform, but you weren’t told it may underperform or were incorrectly advised) then the time is running out to make a complaint and get compensation. This site isn't really…
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Remortgage to add car loan?
Hi, My current mortgage is a fixed 2 year @ 4.3% ish with Halifax and it runs out in the near future. My house is currently worth £120,000 and the mortgage will be roughly £75,000 when it needs to be remortgaged. I was thinking of remortgaging for slightly more than £75k to pay off my car loan and my girlfriends car loan.…
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No shortfall warning by endowment company!
A friend of mine has just received a telephone call from Deryshire BS stating her endowment has matured and is £1300 short to pay off the mortgage. She has not received any warnings from Norwich Union that the endowment would not repay the mortgage,if she had been warned earlier she would taken steps to rectify the…
