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Title deeds
In December I'm redeeming my mortgage in full (paying it off). My back are charging £235 administration/ sealing fee. I'm not quite sure what happens then, I assume I'll get my 'deeds', but what exactly are they? and what do i need to do to them? Is there anything i need to know?
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Buy to Let / Commerical Advice
I currently have a commercial / 'buy to let' mortgage on a property for circa £200k. The repayments are cheap(ish) about £1,100, but I hardly reduce the capital amount. I want to re-mortgage which 'performs better' and pays off more - any advice?
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What is the best thing to do?
I have a mortgage for £155,000 which is split into £76,000 interest only and £79,000 repayment. The mortgage is a 5 year fixed at 5.19% with Abbey National, the 5 year term ends in November 2006. Should I look at remortgaging now, what is the best deal? My primary need is for lower payments (currently £800 / month) , I do…
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scary grown up stuff
ok i havce been considering this for a while and have decided i need to take the plunge and look at buying somewhere rather thna renting. the problem is i don't have a great credit rating, i am attemptging to do something about this and have payed off my credit cards and overdraft with a sensible rated loan, whoch has…
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Mortgage application sent to underwriter, should I be worried?
Hi all, hope you can put my mind at rest.... Found out that Direct Line do a good deal on 5 year fixed and after going through the affordability questions over the phone the lady suggested we'd be able to borrow up to £115k (more than what we'd been offered anywhere else and still on decent rates) We found the house we…
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Cheltenham & Gloucester inefficiency
My C&G fixed rate came to an end in June 05. I contacted my branch of Lloyds TSB who had arranged the mortgage and I agreed to take up another fixed rate offer. The fee for this was £199. I paid up and waited for the forms to arrive. They arrived quoting the wrong address for the property to be mortgaged. I phoned C&G…
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offset mortgages
I'm thinking of switching to an offset mortgages. What are the problems?
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should I stay or should I go
my nationwide mortgage is currently coming to the end of its deal and is about to revert back to their SVR, my mortgage amount is about £33K is it worth looking around given the cost of remortgaging?
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Doran
Re-mortgaging advice. Have just found Moneysaving Expert. Wanted help for son regarding re- mortgaging so sent for guide and read same. Itgives a lot of good info and needs to be read several times. Contacted L & C Mortgages re Freepost Enquiry form ,stipulating that it was an enquiry only and advice we wanted but got two…
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Commercial Loan Question
I am currently considering purchasing an investment property, therefore I would like a quote for a mortgage. Does any one know where the best place would be to get a loan? I have approx 100K for a deposit wish to purchase a property at auction the property guide price will be appox 600k - 700k and let to a bank generating…
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Question on paying mortgage off early
Me again! I have decided to overpay my mortgage, with the aim of being clear of it in ten years' time. I have secured a lodger, and while I have her will commit her rent to my mortgage in addition to what I already pay. Numbers: Mortgage is for £52,263 with 22 years, 9 months remaining, at 4.69% fixed till July 2007. I am…
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Maturing Endowment Query
This is a question in relation to a Standard Life Endowment Policy. In the past couple of years there have been bonus rate reductions, in February and August, which have affected the value of policies. Has anyone had a policy that matured that had a Date of Last Premium in January or July with a Maturity Date in February…
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Fixed rate for 10 years
Does anyone know of any good 10 year (or longer) fixed rate mortgages? We have just come to the end of our "grace period" of low interest rates that went with the first 3 years of our mortgage, but now it will go up by £200 per month which is very hard to swallow. We want to fix for as long as possible as the rates are…
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Newbie with a question
Wondering if anyone can advise me please. Right basically I currently own a property with my now ex partner which is about to go on the market. The mortgage on the property is for £90,000 and I expect to get £105,000 for the property (its going on the market for £112,000) based on the £105,000 price my share of the profit…
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should I surrender my endowment
Hi there I have an endowment of 17 years and its done terribly over the years. I have been through all the channels for compo to no affect so i have come to the decision of whether i should surrender the the policy as the stock market is on a high and pay off my mortgage or should i keep what seems to me throwing money…
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Selling Unitised Endowment
I would be interested to find anyone knows of a company that is willing to buy a Unitised With Profits Endowment Policy. I have such a policy with Standard Life: it is 13 years old and I haven't missed any payments. The original sum assured was £38,180
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Lender contacting my work place
Hi in the process of moving house, with a move in date of the 7th of Oct :( not long. Anyway i'm going with the nationwide and they have just contacted my workplace is this the norm ? and what are they looking for ? i've was with the halifax before (3.5yrs) and i only seen them once and heard from them once no problems,…
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How much mortgage have I got left?
Had a mortgage for £60k and been making payments of about £340 for 2 years at an interest rate of 4.75 (think so anyway), how much have I got left, roughly, due for re-mortgage next year and wanted to release some equity but dependant on how much I've paid.
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Endowment mis-selling
Apologies if this has been asked before, but rather than trawl the whole site I've opted for the quick route I have written to the IFA that sold our endowment policies (3 maturing this year) and he has advised that we have no claim as, in his opinion, "...the advice complained about was provided well before the…
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Big Thanks - Got Compensation For Mis-sold Endowment
Just wanted to say a big THANK YOU. I followed the link to a web site that provided letters for you to send to the company that sold you your endowment to see if you were eligible for compensation. I duly sent off my letter. I responded to an email they sent to me and shortly after that I received an offer of just over…
