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367% interest
:eek: :eek: :eek: Just read this - it's plain disgusting that banks can get away with such schemes.
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Help with working out how much I will owe on my mortgage @ 31.08.06
I wonder if you can help by giving me a formula (for Excel) to work out how much I will owe on my mortgage at the end of the fixed rate on 31 August 2006. I don't know where to start! My interest in calculated on a daily basis. Thanks.
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Mortgage vs ISA
At present I have endowment mortgage which will be paid up in 2008. The monthly interest only mortgage payment is approx £100. Over the last couple of years I have been over paying by about £200 pm. I now have enough saved in an ISA to pay the mortgage off. The ISA will be emptied along with most of my savings. In 2 years…
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Bank of England Base Rate
Hi all, In the early stages of buying somewhere for the first time and we're looking into all the options in terms of mortgages. I've been reading some things on tracker motgages where the repayments can vary according to the BoE base rate but does anyone know of a website where I can look back at the history of the…
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Help to work out mortage balance
Hi All, I am currently in bed with a serveve fever but i am still trying to complete all my remortage paperwork but i am strugging for a rough calculation and wondered in anyone could assist. I want a rough guide figure as to what my mortage balance is as of today. I have asked for a proper one which they are sending me…
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Offer Of Loan abbout to expire! Help!
I am a beneficiary of an estate and I have an offer of loan that was issued to me on the 1st Sept 04 and expires on 1st March 05 for a buy to let mortgage. I am buying my uncle's half of the house and he is applying for probate. I am worried that I might not be able to have purchased the house by the 1st March deadline.…
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Mortgage for Elder Couple
We have an existing mortgage which is only for 8 years as I was 57 when I took it on. Is there any way to reduce my repayments which have been based on an 8 year mortgage instead of the normal 25 years, so the repayments are particularlily onerous. Also is it possible to put my son on the mortgage with myself as he is 28…
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Help !!!!! Debt free looking for first mortage
We are at the moment debt free ( what i mean by that is we dont have any debts like credit cards,store cards ,personal loans,finance of any description, ) we only pay usual debts like rent, bills e.t.c. We are now thinking of a house buying for the first time we are both in our late thirties and we would like to make sure…
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Mortgage and Loans
Hi, Just found this site and it seems to offer good advice so I have a question. We are first time buyers and are looking to buy a house this year with a top price of about 160K. I earn 28K and my wife earns 19K. However, we have about 15K in loans and credit cards which we can comfortably pay at the moment (living in very…
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how far in advance can i sign up to new mortgage lender?
my current discount rate expires in the middle of april so i was wondering when the best time would be to start looking at a switch. cheers
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Should I keep my endowment?
Hi guys, My husband and I have had this policy since Dec 1996. We have since moved house and now have a repayment mortage on it. We kept the endowment going as we had already paid 8 years of it and didn't know what else to do with it. I would really appreciate some advice on what to do with this... (I think I might look to…
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Avice for first time buyer please!
Hello all I recently viewed my credit report on Experain and my credit rating was 781 out of 1000 which marks me down as a moderate risk borrower. I had 2 arrangements that defaulted (but have since been satisfied) 5 or so years ago and I wasn't registered on the electoral roll. This year I'm hoping to buy my first…
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Offset mortgages and endowment policies
Hi, I'm new to the board and looking for some advice. I currently have an offset mortgage with First Direct but am not sure whether I'm making the most of this. I currently have 2 endowment policies which are due to mature in 2023 and have made about £10k worth of payments to it. Can anyone please tell me whether I should…
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Advice plse: Have to remort by end of Jan
I am looking for some advice on our situation: We currently have a mortgage of £132k with the Halifax which has been fixed at 4.25% for the past 2 years, 24 years left on mortgage. This deal expires at the end of January. Current mortgage payment: £729 pcm. We purchased the property in April 2005 for £205k. We are also…
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Opening new current a/c affect mortgage ?
Hi, I'm a newbie so excuse me if this has been asked before. We want to remortgage soon (under-performing endownment) but in meantime my wife (joint mortgage holder) wants to change to the new Alliance and Leicester current a/c, advertised here. Might this opening of another current account adversely affect our chances of…
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Tracker vs Discounted SVR
Hello, At last a forum genuinely biased in favour of the consumer. I'm about to remortgage from a 2yr tracker. I have a £120k repymt mortgage and will reduce this to a 10 yr term when I switch lender/product. My current lender (Abbey) has offered me a guaranteed discount of their svr, which makes the deal a few hundred £'s…
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£18K Mortgage
£18K Mortgage :confused: Can anyone help?........I need a mortgage for pprox. £18,000, what is the best way forward? Any advise would be greatly appreciated. :beer:
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remortgage
i am needing to remortgae my house to consolidate loans and help my daughter out what kind of remortgage i wonder if i should pay interest only and let the mortgage amount eventually come out of my estate?/ thoughts and comments would be appreciated
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Buy to Let
Anyone recommend a good broker to help me remortgage and buy another property? :A
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newbie advise needed plz!! Ty
Hi me and my partner are about to purchase our first property and well its all a bit daunting sooooo many options open!! :confused: We are putting 5% down on a £117,000 property over 30 yrs on repayment basis with a fixed rate of 5.35% untill 1 March 2008....were going with the cheltenham & Gloucester does this seem…
