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is this a good deal???
I have just started the ball rolling to move my mortgage. london & country found me a deal with chelt & glouster. 4.49%. £595. saving us £1300 over 2yrs fixed rate. I rang chelt & gloster as we have a lloyds tsb customer account there should be no fee's. so they.ve offered 2yrs fixed at 4.99% saving us £1416 over 2yrs. Is…
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How to transfer house
Can anyone advise me of how we should go about transfering our house into my name only. I can afford the morgage on my own but how do we go about it? Will I have to apply for a new mort or can it just be transfered. Do we have to use a solicitor ? :confused:
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Buy to let mortgage wanted
Hi, I finished uni last summer with a degree in chemistry but can't find a decent job in my home area and have reasons for needing to stay there. I am looking to buy a property and rent out to students (being as I have some experience of this from the student side) to start bringing in a little income and also to get me…
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BOE base rate change on Thursday
Sorry if this is a stupid question but I am about to remortgage with Nationwide on a tracker at 4.54%. Does anybody think the deals will change after Thurs? What I mean is I don't know whether to go ahead before Thursday or see if a better deal is offered after this?
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First Time Remortgage Advice
I posted on here before Christmas and received some really good advice, so I thought now was a more appropriate time to seek further guidance and an actual deal. Have lived in my house for just shy of two years now. Moved in in March 2004, so my current fixed rate mortgage will run until mid March 2006. Current mortgage is…
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Mortgage payment holidays
We have mortgage with Northern Rock and we are now entitled to 3 months Payment holiday. Because of unexpectedly high tax bill I could do with extra money. If we take advantage of this Payment Holiday for three months, does this show up on our credit reference as missed payment and so effect our credit score? Any help will…
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mortgage payoff while unemployed
for over a year i had to quit my job when i became a lone parent. I am on income support and my mortgage interest is also paid by the benefit office. I have about 9 years left for my endowment mortgage to finish. Am i best to pay extra every year to reduce the capital or simply let it run considering i am not paying the…
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1st time buyer needs help
Thanks for looking I'm a first time buyer looking to get a mortgage for £37000 on a property valued at £70000. I'm earning £14500pa and would like any advice as to who the best lender would be. I'm lost with all the jargon that ive come across whilst having a look around for the best option for me could anyone put it in…
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Mortgage-To pay off or not to pay off
Please help you money saving experts, Is it better to pay off the rest of my mortgage (17K) with savings in an ISA or leave until it finishes in 5 years time. I have thought about Martin's idea of stoozing. What do you guys think? Dan Dan, the not so money saving expert!
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Interest Rate higher on flexible mortgage
Hello all, I've got the "overpayment bug"!!!!! At the moment I am with A&L (IR of 4.4%) until March 2007. At that point I want to swap for a mortgage that allows me to overpay - having seen various programmes and read various articles over the last week it seems rude not too! I know I am perhaps being lazy, as I could just…
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Need help with spreadsheet to calculate how to pay mortgage off early
Dear All, After the BBC programme which I can see has been mentioned already. I am interested in producing a model spreadsheet that would enable myself (and others) to see how many years they could get their mortgage down to. Now, I'm not the best person in world at matchs or spreadsheets so I am looking for help. Of…
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Mortgage Advice Needed Please
Hi, Got 21 months of a mortgage redemption left.(£5,000) to pay if switch lenders. Payments each month are £857.00 ( Yes I know ouch on a £129.000 mortgage. ) Been doing martins 10 list things to do so tried changing my mortgage but some of the offers are the same or even more worst. Never missed a payment in 2yrs & 4…
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Next Interest Base Rate
When is the next uk base interest rate decided ?
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should i put money in offset mortgage or savi
i currently have a woolwich openplan motgage owing 67500 over 14 yers 6months . i have no other debts.i will have approx 9000 to invest would i be better off offsetting on my mortgage or using a high interest savings account .i am likely to need this money to be available for withdrawal in approx two years time .thanks
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is it still worth being a tart?
I have just finished a variable tracker 2 year deal with Halifax of .25% above the BOE BR. I have 7yrs 8mths left and owe about 55K on a 280K property. The mortgage is split repayment/interest with 20K being interest only. My endowment should well exceed this amount. Halifax have offered me a deal to take me through to…
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POLL: Whats gonna happen to BOE Base Rate on Thursday?
POLL: Whats gonna happen to BOE Base Rate on Thursday? 12 Jan update: No surprises they stayed the same at 4.5%
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100% mortgage vs deposit loan
I'm a first time buyer looking to buy this year. It has been pretty much impossible for me to save a deposit. Looking to borrow under £100k, as a fixed rate repayment. Can anyone advise on 100% mortgages and the lenders that provide them? Or is it worth getting a loan to cover a deposit? - I would need £5000, but already…
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Legal fees for remortgage
Hi there We're remortgaging to Bristol and West - can anyone tell me what legal fees we should expect to pay. It seems that all the solictor needs to do is act as a thoroughfare for the money. We don't need searches and there's no contracts to exchage. We're getting quoted between £300-500. Is this normal? Thanks Simon
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HSBC endowment funds
Hi, i posted recently about mis-selling. i've been upheld but need to decide what i'm going to do next. as part of this i need to know how well my fund is doing. I've now found out my endowment is invested in the HSBC life balanced fund (thats what it sounded like over the phone) Can anyone tell me how it's doing at the…
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How to claim for endownment shortfall
We had an endownment policy to cover 70K, however we were ntified of a shoretfall and decided to cash in the endownment and change morgage to a staright repayment. I understand that although we have cashed in the endownment we can still make a claim What is best, to claim ourselves or to use one of these comapnies who are…
