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Coventry Building Society Flexx Mort
Has anybody looked at the Coventry BS Flexx mortgage? Current Rate 4.75% Guarnteed to be no more than SVR for the term of the mortgage. Your thoughts please? Thanks
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A Self-Certification Mortgage?
I own my current home outright, which I have just sold, and after fees I should have £285K to put down on my new home. The new house I am looking to buy is costing £649K and taking account of stamp duty etc, and adding my own personal savings I am looking for a mortgage of no more than £300K. Therefore the LTV on this new…
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Mortgage overpayments vs 'up'ing pension contributions?
Hi, Just wondered what the general feeling was towards what's best money wise please....... We sometimes have some spare cash (sometimes quite a few hundred) after each month and wondered if it would be better to overpay the mortgage or add to hubby's pension. Would some and some be good or an ISA maybe. Just want to make…
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Need Advice on Equity Release for Improvements
Hi All ... im in a quandry! Have new fixed rate mortgage with RBS bought house in April for £50,000 ... Balance is currently £47,000 problem is i need money quick for home improvements cos the house is in a bit of a worse state than we first thought. RBS Dont want to give anymore money cos it will exceed 95% of the value…
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Short term interest only mortgage
Hi I am a first time buyer and looking at a house costing 110,000. I have 18k in a savings account, 3k ISA and 7k credit card debts on 0% till Jan, then hoping to move them on again to 0%, tho realise it may not last forever. My salary is about 29k. I am thinking about putting down a 13k deposit, which leaves me with…
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What is Redemption figure?
Is this the sum you have to pay if you are switching between mortgage providers? Also, does everybody mortgage provider have this in the agreement? Can it be avoided? Thanks
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buy to let
Hi i was wondering if someone can pint point me in the right direction. i am looking for a buy to let morthgage with the minimum deposit to be put down, and with a low intrest rate of between 4-5%. Another question if i was to buy a property on a residiantial mortgage, and if i was to let it out without the approval or…
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Who to send mis-sold endowment letter too?
Hi, and welcome to my first ever post here. Like many others, Im going to attemp to get mis-sold endowment cash. Who do I address letter too? Using the Which letter generator, do I address letter to the Halifax who sold me the endowment while organising my morgage. Or tp standard life who my endowment is with. Many thanks…
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3.5 X Combined Salary + Low fixed Rate? Does it exist?
Howdy folks! Me & my girlfirend are looking at getting a house/flat in the Edinburgh area, we have the option to hae a 5yr fixed rate of 4.45% and no setup fees as i work for The Royal Bank of Scotland but they will only lend us 2.75 X our combined incomes which is a measly 65K, we want & can afford a mortgage of 80Kish…
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Equity release
Could some kind soul please point me in the direction of any articles and threads about this subject on this site? I'm a little perplexed about which category it falls under :confused: Thanks
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Offset mortgage - better to overpay or offset?
I can't quite work out whether it is better to overpay with an offset mortgage, or just use the extra funds to offset the interest. On the face of it both methods will achieve the same savings. Is this correct?
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Norwich Union endowment
My endowment with the Norwich Union isn't linked to a mortgage , it was taken out in 1984 and there was definetly no mention of a shortfall.In fact I'm sure I was told that you get double your return with an endowment.My last policy update says I will be £3600 short of my £ 16000 target at 4% growth.The last bonus I…
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Remortgage advice
I want to remortgage my house , I need to borrow £38500.I would like to be able to make overpayments if Iv'e any spare cash.I have been recommended a HSBC mortgage by a friend ,does any one have a HSBC mortgage and would you recommend it ?
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high multiples?
Hello, Does anybody know off hand who does 5x multiples? with a good rate? the mortgage would just be based on my husbands wages. Prob we would put down either 10% or 15% deposit Or am I dreaming again? Abbey said that they would only lend 4.1 as we have a family... Thank you in advace. Vxx
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Natwest Mortgage?
Hi, I've finally received my letter from my mortgage company regarding the change of interest rate. But it obviously doesn't kick in for another month. Has anyone tried complaining about this? It seems a bit stupid after almost 1 month after the bank of england changed it's rate. Tim
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Children Savings
Anyone know the best saving deals for children
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Buy to Let
Currently have property on Buy to Let Mortgages, what are the best deals around?
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Opinions on 10 year mortgage please
Hi everyone I just got an illustration for the Nationwide 4.89% for 10 years mortgage. The early repayment fees start at 5% and drop down by 0.5% each year. There is an admin fee of £95 and a product reservation fee of £389 for the setting up of the mortgage. We're not sure if we'll still want to live here in 10 years so I…
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FSA backs complaints handlers
Regulator tells insurers told they can't refuse to deal with independent companies if policyholders have appointed them to handle endowment complaints. Daily Mail report
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New fixed rates out on Tuesday!
If you're looking for a short term fixed rate in the 2/3 yrs range keep an eye on BIM (Bank of Ireland Mortgages) on Tuesday. They've got some great deals coming out especially in the easyswitch range.
