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Endowment misselling. DIY or claims assistance?
Need to claim for 1986 misselling of Standard Life low cost policy by Cheltenham & Gloucester (when what I went in for was a repayment mortgage and an investment a/c.....) I feel less hopeful because the date is pre FSA & therefore it may be easier to brush off the claim. Would I be safest using a claims assistance co.…
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Buy to Let/Shared ownership
Does anyone know if there is any info on the above on this site? I've tried to search but can't find any, I'd like to read up on it and see if it would be an option to us. Thanks
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Mortgage for 3 applicants???
Just wondered if anyone can help me - Is it possible to get a mortgage based on 3 applicants salaries or is this unheard of. If so can anyone point me in the right direction as i havnt been able to find any. Many Thanks
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mortgage that goes on what you can afford not what you earn
My brother in law says there is a building society that will offer a mortgage based on what you can afford ,not on what you earn. Anyone know who it is.
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repaying my mortgage earlier
hi everyone. It is my first time on this forum and I have 3 questions for you financial boffins, which I hope you can solve for me. I have an £11k endowment mortgage (interest only) and a £8k repayment mortgage (tracker). both with Llyods TSB and both ending in 8 years time. My questions are: 1) How much would my interest…
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Mortgages and rental income
Hi, Are there any mortgage lenders that take potential rental income into consideration? I've been told by several people there are. I understand the obvious risk that I could never get a tennant, however, my parents have said they will pay the rental income until i got a someone in. Anyone got any advice or info?
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FTB: 100% mortgage, self cert or 6 times salary?
I am considering how to get onto the property ladder. and your advice would be helpful. I am earning £30kpa and live in London. I have savings of £5k and no debts! I graduated about 4.5 years ago I have looked at new build schemes where the developer pays all your fees and deposit etc. Ideally I would like to remain in…
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Salary multiples
Hi, I just wondered if anyone knows about salary multiples. I've seen a house that I really like for £180k. I have £50k equity so would need a mortgage of £130k. On the salary multiples it says that the max I can borrow is £100k. Would I be eligible to borrow more as I have equity? Thanks
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Older In-Laws want to buy a house..need urgent advice please!!
Hi all I hope someone can advise me. My In Laws want to buy a house that they have viewed to upgrade from the 2 bed maisonette they currently own. They are mortgage free at the moment but the house is 25 k more than the maisonette they have. Facts:Mother in law is 55 and father in law is 67.Mother in law is still working…
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First time buyer conundrum
I was wondering if someone could give me some sound advice as up to this point mortgage advisers have been off putting to say the least ( to say the most, insulting). I'm looking to buy a house with my girlfriend, we're first time buyers, both graduates and both in steady jobs. The problem is, being graduates were in a lot…
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Current Account/Offset Mortgage
I have read the post detailing the calculations to work out whether we'd be better off with an offset etc. and as far as I can see I would be. I originally was looking at just getting a good flexible mortgage as I intend to overpay the mortgage considerably. I am currently with Nationwide who limit overypayments to £500 on…
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Interest only or repayment?
Hi there I would like some advice on what mortgage to choose. My partner and I would like to take out a mortgage of £130,000 which has been approved. We are confused as to whether to take out an interest only mortgage or a repayment one. Basically with an interest only we would be paying nearly £200 less a month. My…
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Can i get a morgage
:confused: Hi all new to this forum hope you can help me? Coming on 2 yrs ago now i went throught a messy divorce( she had played away when i found out about it she kicked me out and a divorce soon followed) i lost every think house car the lot(good old british justis :mad: ) and come out in BIG debt and to add to the pain…
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rate of 3.99
friends from work are arranging their mortgage with northernrock (I think) or nationwide. They are saying the rate is 3.99, is this right.
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halifax mortgage
hi i have arranged a mortgage through halifax and will be exchanging soon....i just wanted to know when will i have to make my first payment...in other words will they give me a one month break..by the way my payment will go out on 1st of every month
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Am I really unable to get on the ladder?
Hi All, I'm desperate to move, so I've been looking into the money practicalities. We have a flat which should hopefully net us around £40-50k profit if it sells, and we have a joint income of around £45k. I *thought* we were in a pretty strong position... :j Boyfriend has been doing some sums and estimates that even with…
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Nationwide Endowment Shortfall Claim
Hello, Could anyone tell me if it is too late to put in a claim against my endowment shortfall, had it for about 15 yrs.Is there a standard letter available to send covering all areas needed to start a claim thanks Domi
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mortgage
i got my council house worth 90000 now three years ago for 17500 mortgage over 15 years the house needs upgrading so i need more funds what would be my safest deal
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Endowment Compensation - Please Help
Hi Can anyone help please ? I am confused about who I should send my letter of claim for compensation to. I had 2 endowments running on my Endowment mortgage, Irish Life for 12 years and Scottish Widows for 4 years I have had HIGH RISK letters for both of them.( i had to cash in the Scottish Widows one to help me to afford…
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Gaurantor mortgages
I want to transfer a mortgage for a flat for my daughter forom my existing lendor to a new mortgage where I am the gurantor and the flat will be in her name. Any pointers as to a good company to do this with?
