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YBS Offset BoE + 0.45% : Product transfer fee
I have an offset mortgage with YBS for BoE + 0.75%. There is another produt with a rate BoE + 0.45%. YBS want to charge existing customers £195 to transfer to this better product. I have pushed them a couple of times but they won't budge on the fee. Has anyone else had any success in getting this transfer fee waived. When…
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got endownment comp but claim comp does,nt know
endowment provider paid out £3500 compensation after reviewing my initial claim.In the meantime i agreed to let a endownment claim company act on my behalf for 20%+vat.Signed the agreement and authorized them to act on my behalf.All they did was send seller a letter.I did more than them with initial complaint letter and…
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second hand endowments
Is it possible to make a claim for mis selling on second hand endowments
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Re: Pensioners short of money
As a 71 year-old widow/pensioner with no capital apart from my flat worth about £220K, I am coming to the end of a 2-year Tracker Mortgage, interest only, for £55K, which now requires me to make a decision about what to do next. Each time I remortgage with the same company, I have to pay a reservation fee of about £400…
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best way to borrow money for purchase of land in ireland
i am looking to purchase some land in southern ireland with possible planning permission. intially i am looking to borrow 15000 for the purchase of the land, any suggestions for the cheapest way of doing this? we have no mortage to borrow against.
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Mortgage Deeds Retention - Cheapest?
I have just paid off my mortgage early and have recieved a quote from my building society for keeping the Deeds on my house which is approximately £25 a year. Is anyone aware of any bank / building society who will do it cheaper ???
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cheapest BTL no ties deal at the moment
anyone know of any good deals going at the moment, my flat is coming to the end of a fix and I am thinking of selling near to the end of the year, so don't want to be tied in and pay a redemption, any help would be much apreciated
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Endowment mortgage sold by solicitor
I'm asking on behalf of a friend who is not keen on persuing a mis-sold endowment policy. He thinks it's not worthwhile because he was sold the policy by a solicitor and has been told that mis-sold policies by solicitors are treated differently than ones sold by a financial advisor. Does anyone have any experience of…
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using free overdraft as a house deposit top-up
hiya, I'm buying a house soon.I have a £1000 free overdraft.I was thinking of trying to increase it to the max £2500, and adding this money to my deposit.Then using my wages to repay when the free overdraft runs out. Also, I don't have a credit card yet, so I was thinking of getting one with fre 6 months credit and using…
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Mortgages
Hello I am currently trying to increase the term of my Interest only Mortgage, but have been told as my husband is now 60yrs of age, that I cant increase the term of our joint mortgage. I am only 40 and want to start making repayments to hopefully clear my debt by the time I am 60. I have had quotes which I cant afford,…
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Endowment Misselling Compensation
Hi Within about 3 weeks of making a claim I have been offered compensation. The amount offered is equal to the difference between my current shortfall and that which would have been paid if I was on a repayment mortgage. What should I do? Obviously I do not want the shortfall to be still with me. What is the normal…
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Mortgage certificate
Could anyone tell me how long it takes to get a mortgage certificate, please? I don't mean an actual mortgage, just the agreement in principle. I have searched this forum, but haven't found an answer - and I've printed out and read various guides but I'm still not sure. I'm hoping to buy a place with my boyfriend and we…
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HomeShare Schemes?
Have been hearing a bit here and there about the HomeShare schemes that that the government is launching for first time buyers in conjunction with some big mortgage providers like Nationwide and Halifax around October time this year. Does anybody know any good places to get more information on these, what exactly they…
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Mortgage Arrangement Fees
:confused: Could anybody give me any tips as to how I can challenge the £595.00(!) arrangement fee C&G will charge me for arranging a new fixed rate mortgage with them? I have been on a 12 month fixed rate with them that is due to expire shortly and I just wish to renew on to a 2yr fixed. All my details are exactly the…
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Overpay or fill my ISA ?
I have a £6k in my ISA - earning 5% My mortgage is fixed rate running at 4.75% - 19 years left to run outstanding balance around £100k - interest is paid daily. In the mortage terms any amount I overpay I can get withdraw the money if i really need (ie. for an emergency), so is not totally lost in the mortgage pool. Am I…
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Contractor Financials
For any IT contractors looking for a mortgage or remortgage I would have no hesitation in recommending these brokers. I first contacted them on 5th Jan for a remortgage and the formal mortgage offer has already come through. Best of all, the only income information they needed was my hourly rate. Obtaining mortgages for IT…
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Offset -The right thing to do?
I have a 52K mortgage with 13 years to do which is currently on a variable rate ( since July 2005) I have approx 12K liquid in a 5% easy access savings account. I have approx 18K in ISAs which are the same value as when I invested them in 1999 which I intend to cash in. My only other financial commitment is a £235 per…
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Introductory Period finishing end of June
Hello, My current introductory mortgage offer is finishing at the end of June. I will have around 53k to pay over 22 years. I just wanted to ask when I should start looking around for a good remortgage deal and does anyone know of any good ones out there. At the moment i'm paying around £376pm. Thanks for your help
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Overpayment Question
Hi, I have a quick question that I think I know the answer to but would appreciate it if anyone can confirm. Imagine you had 2 mortgages, one for £60k with 19 years left and one for £6k with 6 years left, both at the same interest rate. You could afford to overpay say £100 per month (without penalty), what would be the…
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Mortgage Ideas
Hi I am looking to buy a property for about £165-170k and want to spend about 35k on it, this will be worth say £210 after the work has been done. I only have £20k in savings and currently rent at the moment; this will be our home. Can i get a mortgage which will pay for the initial property and then give me extra to pay…
