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Moving house - redemption penalties?
Planning to move house shortly with just under 2 years of a 5 year fix with the Halifax left. Redemption penalty is currently £1600 if mortgage paid off now. If we stayed with the Halifax (don't really want to but...) and increased the mortgage are they likely to waive the redemption penalty?
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Offset or overpay?
Hi there - having been inspired by other poeple on this board, I've decided I want to get rid of my mortgage as quickly as possible. But I don't know which of the above options is best. :confused: I have a mortgage for £52,000 over 25 years, on a fixed rate until July 2007, so until then it is hypothetical, but I like to…
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Remortgaging every 5 years
Hi All, First post an all that! So sorry if its been covered before. Total term is 24 years I am about to remortgage for a 4.69% fixed for 5 years. Interest and capital repayment. No over hang. After the FT has expired I will then look for another good deal. My question is, during the first fews years am I right in…
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Should I pay mortgage off?
The house is in my mothers name, but my mother doesn't work and so I more or less pay the mortgage and other house bills. However, my payments have gone up as have my other expenses. I have got about 30K to clear, and i can raise the money by asking from my friends who said they will borrow it to me. I was just wondering…
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what is the cheapest/best buy to let mortgage
Hi, I am coming to the end of a two year deal with woolwich on a buy to let mortgage, any ideas of the best available? tahnks
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Advice needed - end of introductory rate offers
Hi - I'm looking for some feedback on some options I have been offered by my current lender. Their SVR is 6.54% My 2.21% discount will expire on 1 December on a mortgage of £113755 and I pay an extra £50 a month as an overpayment. I got this discount via a broker. I've now been contacted by the lender ahead of the…
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finding a mortgage at 50+
Please advise me. where and how can I find a 1st time mortgage when I am nearly 52? circumstances mean I can find 50k downpayment my earnings are approximately 16,000 p.a.
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Has Anyone Sold An Endowment Policy?
Just Looking To See If Anyone Can Tell Me Of A Company That They Have Used To Sell An Endowment Policy.
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Endowment Compensation Payout????
Hiya We took out an endowment in 1996 to buy our home, we had felt, for the last few years that we had been mis-sold it, had several re-projection letteres saying we had a shortfall, and in 2001 we changed the interest only mortgage to a repayment, but kept on the endowment as a savings plan (such as it is!!), as it…
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Liquidation
Hi We previously filed a complaint with the FSA against the company who misold us a 25 year endowment mortgage in 1995. We have just been advised that the company we are complaining about has gone into provisional liquidation. We received a letter from the Provisional Liquidator requesting that we complete a Statement of…
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GMAC second mortgage trouuble
Hi, Thanks to this forum we found a great mortgage deal, BUT, years ago we had a secured loan with Future Mortages as well as our GMAC mortgage. We got a further advance from GMAC, they paid the FM loan off and incorporated it into the GMAC mortgage. Now I'm being told by my solicitor that GMAC have told him there is a…
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Where can I find regulated Money Laundering Intermediary ?
Hello again :) I have received money laundering form to complete, but they want me to go to regulated third party ? Any one have an idea what type of professional this is ? I'm thinking IFA or accountant or something similar ? Many thanks :) Avril xxx
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Which online broker gives rebates
I know mortgagegenie.co.uk offers rebates. Any other providers that do so? I'm looking at the Bank of Ireland discount rate of 4.54%- mortgage genie offering £150 rebate on this product
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flexible mortgages for investment property
hello, i currently have a 28K mortgage on a 150K house with BM, the mortgage redemption penalties end in one week. i hope to release capital from the mortgage in order for me and Mr.Dingle to do up and sell an investment property... we reckon once property is in our clutches it should take 3 months max to finish property…
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remortgaging with nationwide,turned down coz of existing buy to let
Hi everybody, this is my first post on the forum, so please be gentle with me!! we currently have a mortgage of £25k (property value £140k) with the Nationwide (taken out 8 yrs ago) and we're currently looking to borrow an additional £25k to fund a kitchen extension. We went into our local nationwide this morning and we…
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2yr fixed - YBS
I've had a stonking 2yr mortgage with YBS at around 3.2% :-) but that was the real low point of rates, and my mortgage fixed term is up at the end of the month. I should have sorted sooner, but YBS have offered a stepped fixed rate 3.99% 1yr, 4.69% 1yr (stating this is only available & designed for existing customers…
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Help with endowment complaint please
Hi, nearly newbie here...wondered if anyone could help. In the process of complaining, original advisor & company now not around, so ended up with my claim being directed to sesame. (not sure whether they've taken over original company). had a 16wk letter about 3 months ago, and then nothing. Rang them, and the guy said he…
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Fixed rate
hi i am in the process of buying my 1st house and my bank has offered me a fixed morgage at 4.59% for 2 years ,after 2 years will i be able to remorgage?? :D
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Advice on mortgages rates
Hi I'm a newbie here and I would like some advice on mortgages. Basically I took out a 2 yrs fixed rate mortgage on my flat at the rate of 4.19% which is soon coming to an end this November. We are thinking of selling the property sometime next year or possibly in 2007 depending on our financial situation and I'm not sure…
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Remortgage or loan
Hi I have around 5,0000 of my mortgage to go with about 3 years to run. I also have a fixed rate loan forabout the same also with 3 years to run. I am moving house and need about 15,000 to cover costs etc. plus a bit of work on the new house. Looking at all the rates between mortgages and loans and the costs for setting up…
