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ISA Offset Mortgage
Does anyone know if there is such a thing as on ISA Offset mortgage. If there is, which financial institution does them.
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Endowment mis-selling
I have recently complained to the L & G about being mis-sold an endowment, and have received an offer back. Their offer is to either completely buy back the policy (surrender value plus compensation), but this equates to approximately what I have paid in, or they have offered me a sum of money that equals about 4% of my…
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Should I stick with existing provider. 2 years after being a FTB
2 years ago I brought my first place. 2 years on, I now realise that if I wish to leave Nationwide to move I will have to pay on 2 counts. Firstly from reading other posts it would seem that I can expect to pay an administration fee (I am yet to look at the T&Cs). I can then expect to pay something like £400 for moving…
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Selling endownments
I am looking for someone to advise - I have a 25 year endownment policy with Royal Sun Alliance (Phoenix) that has run for 12 years. I would like to consider my options through seeking a market rate for selling the policy, but would also like to keep costs down. I have been through TEP exchange but have had no interest…
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Any ideas ??
hi i only found this website today and ive been on here hours, looking at many things. Me and my partner are trying to save and pay our debts off including the mortgage. We are just wondering if anyone has any ideas on the Best banks for a basic joint current account, I had an account with Barclays and would never use them…
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Daily interest
Hi first post (well wrote it once and lost it all) been around reading for a while though. Have so far been remortgaging every 2 years to get best deals and have managed to cut the term by a good few years by doing this currently have a tracker mortgage which has interest calculated daily. What effect would paying weekly…
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Exit fee from HSBC mortgage?
Can anyone help me out, please? HSBC are taking their time to get back to me with the cost of the exit fee from their mortgage (I will be at the end of a fixed-term, so there will be no penalty, I just need to know the exit or 'admin' fee so I can add it in to my budget for the switch). Is there anyone who has switched…
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25yr mortgage at 49 yrs old?
hi, my husband and i are splitting up, and looking at the options of selling the house and dividing the equity, or me paying him his share, which i would need to raise via a mortgage. i would need a total mortgage of £70, 000, on a property value of 280,000. I am 49 (!!!) next month, and don't want to mortgage myself to…
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Address change & Mortgage
If I change address of my Orange contract phone but keep the old address(My Parents) on my driving license, bank & electoral register etc, and apply for mortgage in next six months, does it considers as change of address in last three years? :confused:
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First mortgage repayment question
I am about to exchange contracts as a FTB, and expect to complete in the middle of February. What I'd like to know is: When will my first repayment be, and how much for. We have asked to pay monthly at the beginning of each month, so I'd expect the first payment to be on the 1st March. But will I pay a full month's…
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was it really too late to complain?
just a quick question. i tried to complain about 2 endowments which was sold to us, this was early 2004. i was successful with one of them and received £4000. the other one (friends provident) said we had left it too late. i didnt really query it at the time because i was so pleased to win the other case. they said that…
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Simply pay off mortgage?
We are in the fortunate position of having over 30000 in various savings vehicles such as ISAs and savings accounts. At the same time we have a 58000 interest only mortgage on our main home (valued at about 130.000) and an inherited rental property worth about 60,000 for which we have an interest only mortgage of 16,000.…
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Buy-To-Let Mortgage combined with main Mortgage
Can anyone tell me is it possible to combine a buy-to-let mortgage with my main mortgage? The situation is that I have a main property (in which we live) with a good-sized mortgage but which is less than half the value of the property, and also I have a property which I let out, with a larger mortgage. I cannot increase…
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mortgage/ development ...finance problem
hi guys.. i have a bit of a problem... i have a big house with a mortgage with the bank of scotland,the debt is 370k... it has been valued at 570k....it is in very very poor condition.. i have managed to get planning to convert it into 4 flats,with an end value of 1 million pounds..i have a terrible relationship with my…
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Coventry Offset Mortgage
Hi There I need some advice please. I currently have a £100,000 offset mortgage with the Coventry building society which I can move from in two weeks. The reason I took out this mortgage was because I have a second home which is a small flat that I was planning to sell last year and use the equity (£60,000) to immediately…
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up the creek without a paddle!
in june my man had to give up his job so he could look after me,he is now self employed and hasent had any work since end of november i dont no where the money is going to come from for the morgage&endowments could surrender the endowments but scared im going to pop my clogs,dont feel well enought to sell our house dont…
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mortgage checks
hi just looking for some advise does anyone on here no what kind of checks a mortgage company does before you get accepted ie : credit check etc ??????????????????????????????????? _pale_ :confused: :confused: :confused: :confused: :confused:
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Payment holidays...
Does anyone know how likely it is that I could take a 6 month payment holiday as soon as I come out of my fix with my existing lender (2yr 70% repayment, 30% interest only)? I want to go travelling for a bit with my child before he starts school and the only time I can take a sabbatical happens to be the month the fixed…
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moving home
Hi all I've currently got an endowment mortgage which surprise surprise is going to shortfall :mad: What i'm thinking is because i'm hoping to move home soon i will be entering into a new mortgage. So the shortfall will not effect me or am i wrong with what i'm thinking.
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Should I clear my mortgage?
I am being made redundant and am worried about earning enough to cover all my outgoings. I have recently inherited some money and could just about pay off my mortgage, so at least I know I'll have a roof over my head. Is this the right thing to do or not? :confused:
