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Mortgages & endowments
Archives for January 2006
Discussion List
Endowment shortfall
We received a letter from our building society informing us that our endowment which would have paid out 45000 at the end is now at the best paying out 31000 and at the worst 20000. Can we complain about this? They have given us the details of where we can complain, but I don't know if we are eligible to complain? At the…
Paying for deposit on credit card.
Hi, im looking to apply for a mortgage and im going to pay for the 5% deposit of £5000 on my credit card then transfering the £5000 to a 0% balance transfer card. would anyone reccomend this or am i better of transfering the debt to a life of balance card and if so can any one reccomend any life of balance card? Thanks.…
Purely Mortgages
I am looking to remortgage and have just read an article in the Western Mail about a company called Purely Mortgages (https://www.purely.co.uk) that claims to offer an impartial "whole of market" service for a fixed fee of £195. Sounds good, their website looks comprehensive and professional but has anyone had any…
New Builds where the builder keeps some equity
I've seen a few builders offering a 'pay the remaining 25% back when you sell on' deals, which as far as I can gather means that 25% of the equity is held by the builder until such time as you sell the property. Now, I'm aware of the pros and cons of such a thing from a buyers perspective, but what I'm not totally sure…
pay off mortgage? or keep a penny?
Hi all Me & partner are in the fortunate position to pay off out mortgage. Many people tell me to keep a token 1p or £1 in my mortgage, funnily enough no-one can tell me why! Can anyone shed any light on this please? I posed this question to the mortgage company who just said, "you need to speak to an independant financial…
Like many others asking for help pleeeaaassseee
Hi - well our situation is this - Mortgage runs out March 2006! Currently an interest only one with no endowment or anything as it was a short term thing while we set ourselves up, but then life happened and I was made redundant (no cover) and our lovely son came along. We have debt as well and just don't know the best way…
mortgage or savings for home imps?
hi I'm new to posting on here, and wondered what your opinion is. I need to update my kitchen, and although i could fund this from my savings, i wondered wether it was better to use "other peoples" money to fund this, by taking out a small mortgage. At present I own my property outright, and have a pension and part time…
Fully flexible mortgage
deleted as no response
New job can I get a mortgage?
I am looking to exercise my right to buy as I live in a council property, however whilst my salary would comfortably cover the mortgage payments I changed jobs around six months ago. Would this rule out the possibility of getting a competitive mortgage?
Pay off your Mortgage in 2 Years on BBC2 on Thurs 8pm
Could not see a thread about this one. Just saw it in the TV listings for the coming week. Is this possible????
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