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A&L Mortgage
"Existing Alliance & Leicester mortgage customers moving home and Premier/Premier Plus Current Account customers taking out a new Alliance & Leicester mortgage receive £250 cashback. Ask for more details" I am an A&L Premier Plus Account Holder and I plan to take out a new mortgage with A&L (i already have a A&L mortgage)…
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New Mortgage Products
If the BOE interest rates change do mortgage lenders always alter their products? and if they do how soon after a change in interest rates should I see new products?
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Paying extra?
I overpay my mortgage by £30 to £40 each month. As it is part repayment and part interest only which part of the capital does it pay off? Which would be the best to chip away at and why?
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Do I keep endowments as savings plan?
Have three endowments that are no longer linked to my mortage - but we have kept going with a view to them being a savings plan (hoping will need to put 5 kids through University at some point after 2017! Is it possible for someone to let me know if |I'm being stupid to use these as a savings vehicle. Afraid I'm not too…
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Fixed rate?
Im considering remortgaging to an A&L 5 year fixed mortgage today. I was just wondering can anyone advise whether the events in the US re New Orleans, increased oil prices etc will have on interest rates over here?
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Best capped rate?
Hi - I think that after reading up on mortgages etc. we are going to go for a capped mortgage now, as at least then if the rate does drop we will benefit from that but not so if it goes up over our base rate - I am trying to look around for a good capped rate and aren't really finding much. Can anyone help - ideally it…
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northern rock 125%???
my wonderful boyfriend has now decided that he doesnt want to rent as we previously agreed as we'd be saving for a few years for a deposit so i got a quote from northern rock for their together mortgage with the mortgage being £76664 and a £30000 loan, both over 30 years (£650ish a month), which would just cover the fees…
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Mortgages for People With Bad Credit
Hi all, My partner and I have a mortgage with a company called 'Igroup' as we could not get a mortgage with a regular bank/building society due to bad credit on my part. I have credit amounting to around £40k, which is currently being managed by a debt management company called Payplan. I pay them a regular amount per…
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Tracker
I am currently looking for a tracker mortgage to replace my Nationwide one. I see that the Alliance & Leicester are offering 0.16% below base rate, plus £250 cash back if you have a current account with them (which I do). Does anyone know of any better tracker rates out there than that? Or, how about a site which does…
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stooze onto nationwide mortgage - little gain ?
i have a mortgage nationwide 5 year tracker 4.99% on £18140. 0% cc £12000 and savings of £5000 = £17k is overpaid on mortgage. dec 04 close was £18040 jan 05 open balance is £1,140 ( 18040 - 17000 ) sep balance is £865 repay back my cc £16447 = £17312 if i had not stoozed this money my mortgage repayments would have been…
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Mortgage Advice
I work for a US company and am paid in dollars. I will be a first time buyer, where can I look for a mortgage.
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Which Day To Remortgage?
Hi I was wondering if someone could give me some advice? My Scenario: My fixed rate (of 3.79% !) with the Halifax ends on the 30th Sep, moving to their SVR of 6.5% ! I have my new A&L mortgage all set to go whenever I want it to. The 1st Oct is a Saturday So I'm right in thinking I can't transfer on the 1st as it's not a…
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25 year mortgage
Hi - We quite like the idea of a long fixed term mortgage, we would know exactly where we are every month until the house is paid off with no surprises or looking around or special rates finishing etc. and aren't really that concerned about the rates just our finances. We are currently on an interest only for 80k at 319.00…
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Credit Check?
What / How is the best way to get a copy of your credit check please Am looking to re-mortgage my property and the lender seems to think that there is more lending against my name than i have declared!!! Interesting I think Anyway, am after the best, cheapest and quickest way to see my credit score Regards Pete
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Grave Danger...
Hi Folks,...Em... I've never did this before and I've just faced up to reality by confiding in a friend regarding my selfish, ridiculous situation. I'm looking for an opinion on my problem. My girlfriend and I are going for our 1st mortgage and house about April next year, we've been together 4years and throughout that…
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is it possible to save to buy a house ?
hi folks this is a question we were asking the other day thought id ask the good people on here ther area i live has high house prices in compared to wages like everywhere else the standard ftb house is around 140k but has held steady for the lst few months shopping around that would make the repayments about 700 a month…
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mortgage paid brother &new girlfriend
could someone give some advice pleeez, my mother and brother had a joint mortgage and was covered with insurance that if one of them died the house would be paid for, well my mother died recently so the house is nowbelongs to my brother, but he has a girlfriend of 6 months (she is very nice up to now!) she will be moving…
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Declaring current debts
Hi, This might just be me being daft, but how do you officially declare the debts you have when you are applying for a mortgage? You might have a £7k loan, but pay only £50/month or you might pay £150 a month. Similarly, what if you've got a stooze pot where you have the cards maxed out, but are only paying the minimum…
