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selling endowment policy..any ideas?
Just wondered if anyone could point me in the direction of a reputable company that buys/trades endowment policies....we had a disappointing offer for our 17 yr old with profits policy from robin lloyd so we could do with some other offers to compare it with. thanks for your time !!
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Re Mortgage
I have remortgaged and have used part of my reserve 40k my morgage will be finish in 2008 i am trying to pay off my reserve but it is proving difficult as I have gone self employed in Jan 05, I am worried that I will not have paid off my reserve by the time my morgage ends in 2008.
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To pay or not to pay...
Hi, Just wanted to know what the best course of action is please: I'm in the fortunate position that I now have enough cash to redeem my mortgage once and for all, approx. £51,000 I have no other debts whatsoever However, there is a penalty charge for redeeming 2 years into a 10 year fix [approx. £2000 all together] but…
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HELP!!!! - Mortgage has gone SKY High!!!
Hi there evrybody, I have read a few scarey tales on here in the past :D and have been surprised to see the amount of people that have had or still have the same problem (s), and therefore have some great advice to offer!!! So i am hoping that someone out there may have or have had this problem and could sujest away…
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Best offset / fully flex mortgage ??
I have just been approved for a 5 yr flexible tracker mortgage. (Im remortgaging). It tracks the BOE base rate plus 0.55% for the next 5 year. So it's 5.05% currently. You have an over payment fund, which immediately offsets your loan amount, and the interest is charged on a daily basis. It is the best offset/flexi…
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Mortgage Advice
Hi just looking for a wee bit of advice if anybody can help. Had been looking to change lender re the following Loans 31,707 5.1 fixed 2007 8 years 3 months to run 23,020 5.5 currently but can be reneogiated in 2007 Repayment of 697 a month Penalty at this date of £622 if change over to another BS increasing monthly Have…
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I need help with mortgage calculation
Can anyone please tell me if this is correct? I am currently on a YBS mortgage fixed at 3.29% and pay £632.51 per month. As of 1st October my mortgage rate changes to 3.99% which apparently works out at £702.71 per month. Is my new monthly payment correct? It sounds like quite a bit increase and I'm not sure what…
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5 times salary mortgage anywhere?
HI im looking for a mortgage, its going to be a single mortgage but i would like it to be for 5 times my salary, which is £21500. I have had one in principal decision from Birmingham midshires who offered 3.5 times my salary. the payments wouldnt be a problem as my partner and i share the rent, but for personal reasons i…
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Self emplyed mortgage
Hi, after many years of renting I now want my own place. I am self employed, earning £35,000 p/a after tax etc. Can anyone advise me of a decent company to apply for a self employed mortgage ? I don't want to put a lot down as a deposit - maybe 5%... Cheers folks.
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HPS financial services then - who to complain to now?
Hello Would be v.grateful for any help please. Finally decided to complain about endowment - but have always been put off because i didnt know where to direct complaint as company no longer exists. Im having a baby in a months time so there wont be much free time to do it after I suspect !!.... Was sold endowment in 1992…
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B]Endowment claim why did they phone me[/B]
Hi,I had a phone call from the person at C&G accessing my endowment claim. He wanted to know if I had paid off my mortgage ? Why did he need to ask me when he works for C&G and should have all the information at hand ! :confused: Kind regards Ashes
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Who do I complain to?
I was sold an MGM endowment by a salesman who worked for (or perhaps traded as) an outfit called Canarymeade. His office was in the Estate Agents where we bought our first home in 1993 in another part of the country to where we now live. I'm sure there's a joke in the name "Canarymeade" somewhere but anyhow.... The…
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where to compare?
Does anyone know where I can find/compare the best 2 year fixed rate mortgages 95% LTV without a higher lending charge? I had a really good site but can't remember what it's called.
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default
How bad is a default on a current bank account (but paid off) in relation to mortgages?
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Endowment mis-selling question
With all the focus on mis-selling I have a question. I have an endowment policy which is returning below the expected results. The thing is, I didn't have a mortgage when the policy was taken out! I lived with my mother and we decided that I should put away some of my earnings while I had the chance. After talking to the…
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Got an existing loan but will get a mortgage soon
My partner and I both have personal laons, which combined are a total of 15k. However, soon we wish to buy a house (pregnancy permitting) and get a mortgage but I don't think we could barely afford to pay our monthly mortgage payment and separate loan repayments at the same time. Does anyone know what the best solution…
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C & G Mortgage
Hi Ive applied for C&G Mortgage through London Country. When I completed the application form, the only thing that they required was my passport and a utility type bill for address evidence, plus cheque for setup etc. Which i posted last thursday, getting my passport back on Monday Having spoken to them today they are now…
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what mortgage for bad credit?
My son and his friend are joining forces to get onto the property ladder, can't afford to do it independently. However, although they have 20k to put down as deposit, sons friend is self employed, self certified and has 3 defaults from over three years ago. Debts paid but obviously defaults remain. They have been offered…
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complaint upheld, so why am I not happy?
I'd like a bit of advice about my Endowment policy. We applied to the Halifax to investigate our complaint that we were mis sold the policy. Their reply was " we are pleased to tell you we are upholding your complaint". However ,the letter then goes on to say that they are upholding the issues that we were not advised that…
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Alliance & Leciester overpayments
Its remortgage time and I'm looking around for best rate deals to be had (the A&L and britannia rates are looking favorite). I went through the A&L key facts illustration yesterday and was shocked to read that they only allow 1 penalty free overpayment per year (in january) - if you've look in the same places can you…
