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debt consolidation and remortgaging
Hi, I need some help with remortgage advice. Facts: We have a £83000 mortgage with Northern Rock Our house is worth £125,000 We have £25000 in unsecured debt, inc £3000 on credit Our montly outgoings on mortgage and unsecured debts are £1200 I earn £12,000 per year with extra £3000 as overtime Hubby earns £16000 and £3000…
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Offset Mortgage - Newcastle Building Society
Hi Does anyone have any postive or negative experience of the above. They are offering a fee free (no valuation or legal or application fee) offset remortgage at what seems to be a pretty decent rate. I have a fair amount which I could offset but do not want to tie it up. I filled out an online thing a few days ago and the…
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Early mortgage repayment
We have a repayment mortgage that is currently set at 21 years to run and we intend to repay the full amount within 5 years or less. Is it better to rearrange the mortgage to pay more each month over the 5 years or to continue with the current monthly payment and save up enough to pay off the balance in 5 years.
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Rolling register
If a person places their name on the "rolling" electoral register, how long is it before their CRF is updated?
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My parents need a mortage, not a re-mortage...
All I can seem to find are people offering me to re-mortage... I'll explain the situation: My parents have fallen in love with a house, they've already payed off the mortage for the house we live in currently so everyone offering us a remortage are semi-pointless. We're looking for about £150,000... any ideas?
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Endowment complaint - Legal expenses Insurance
Has anyone ever used this kind of insurance for solicitors fees when issuing court proceedings for the misselling of an endowment complaint?. On the policy all it says is that you must notify them within 180 days of becoming aware of a dispute. However despite this being done, the company who offer the legal expenses…
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urgent help needed which is better reducing mortgage term by 7 months or not?
Hi people i was hoping u could advise me as i am not sure what to do. I am currently due to change my mortgage product and am not sure whether to stick with the product offered which is £818 per month a saving of £168 and for 247 months (20yr 7months) or go with a 20yr term and pay £13 extra amonth ie £831 which is better…
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Good Mortgage Deals?
Hi to anyone that can help me. My current mortgage deal is about to end with Nationwide and they want to charge me fees of £500 to have another of their products! Now, I don't want to pay them any fees, has anyone managed to stay with Nationwide without having to pay any fees? I am quite happy to change to another lender…
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"Affordability" Mortgage Lenders
Hi, Went to see an independent mortgage advisor this morning to get some general advice as my partner and I are looking to buy our first home together. I've just been on the phone to a couple of lenders since I've been home who both think our best bet is to approach mortgage lenders who look at affordability rather than…
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would you cash an endownment
my family are going to pay of my interest paying mortgae which has 10 years to run, saving me £14000, yesss i have the 10 years to pay on the endownment of £64 per month would i be better to cash this in .....which is only the money ive paid so far or wait until it matures at the end of the ten years? i dont really need…
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I am looking to remortgage soon and
last time we did I used a website that allowed you to see the true cost of what you were borrowing along with how much the repayments were, who from etc etc. However, after a computer upgrade :mad: I have not got my old favourites and don't know what the site was. So after about three days of trying to find a useful site I…
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what order do things happen?
ok, so its going to be about a year before we go fora mortgage, but im trying to start swotting up so im fully armed and ready for when the time comes. when we go to buy a house, what order do things happen? do we go to the mortgage people to find out how much we can lend, do we look at houses first and see if they are…
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better rate?
My current interest rate for mortgage is 5.24%, is there anything better out there.
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European buy to let.
Hello everyone, Does anybody know is it possible to get a buy to let mortgage from other countries in Europe and if they have a lower interest rate? Also I assume I will be borrowing in Euro's and paying back in Sterling, can anybody offer advice about possible pitfalls? Thanks for any help with this.
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Standard letter (written by martyn ?)
Hi.This is my first contribution ! Where can I find a copy of a letter to send to the endowment mortgage misselling people when you have been told you do not qualify.Martyn has referred to it on TV and in the newspapers,but I cannot find any reference to it anywhere!I think it is a standard letter that you can edit for…
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Endownment claim under house insurance?
If you have legal cover as part of your home insurance, is it possible to claim for mis-selling of an endownment? as its not an pre-existing problem?
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First Direct Offset equivalent Savings rate
:o Hi guys, have added a new field to my spreadsheet, and thought I would workout what the equivalent rate would need to be, if it were a normal savings account, and the Taxman took his cut. Have a look at these stats and see if it makes sense: I divide the interest saved per month by the offset value that month, and…
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mis-sold an endowment sold by a ifa
i was sold an endowment by an IFA and i believe it was mis-sold to me, but i don't know whether i have to complain to the IFA or to the endowment company HELPHELP
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Mortgage advice
EDIT-- this thread was originally started by MSE staff requesting comments relating to the "sneakily" article...... the following replies have been separated so these replies are not linked directly from the original article without yet spending to long reading it - a few areas that initially comes to mind 1. Article…
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