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Mortgages & endowments

Archives for April 2006

can you help
i recently thought about changing my mortgage with the halifax new rates and all that. she gave me some examples over the phone and i told her the one i was interested in changing to..she said she would send the paper work for me to sign but to my knowledge i never recived it and so i didnt sign anything yet they have…
Advice please on a new mortgage!
Hi everyone I'm really enjoying reading the forum, but would now be very grateful if you could give me some advice on a new mortgage. I'm moving house (does this make me a remortgager or a house mover?) and currently have a mortgage for about £35k. The house will potentially sell for £100k and our new house will…
Recommendations
A few questions: I am looking to buy out my girlfriend from the property we bought together in December 2004. We are splitting up and she has agreed in principal to the above. Before i say "yes" or "no" i would like some decent face to face financial advice, therefore: Can anyone recommend a genuine whole of market…
Really need opinions on whether this is sensible
Ok, our situation is getting more and more involved and I really need to take a step back and assess what we're trying to do - would welcome some impartial opinions! 1 - we lost sale on our property (which is empty, we're renting away), this happened just before we were due to move 2 - decided to try and save purchase, EA…
Mortgage recomendation?
Hi, - please advise if poss - Can anyone recommend a good buy to let mortgage on the market at the moment? We don't want any overhang period - but would like to minimise payments for the next 3 years or so - so a fixed or tracker would probably be good. The arrangement fees on all the mortgages I've come across seem to be…
Did we get a good rate?
Hi, We have just secured a mortgage of £112050, 95%, through a company called GMAC. I have previous bad credit history, all settled in August 04 but have had 4 defaults registerd agaisnt me with experian since 2002, again all settled. The rate is 5.59% fixed for 2 years, just wondering if I should shop around and get it…
Repossessions & Evictions
Some may say that this is not a forum to discuss such topics. A taboo subject per say!. There are however, moneysavings ideas, help and advice that can be provided to those either potentially, currently or concluding experiencing home repossessions as we can see in earlier threads. It may be a good start for visitors to…
Endowment timebars: Court breakthrough
Observer Friends Provident, a major offender in slapping on unreasonable timebars, has lost a case in court which could set an informal precedent for others. Check this out if you were missold within the last 15 years and then timebarred.
Mortgage on 2nd property
I would very much appreciate peoples opinion on my current dilemma. I currently own a property outright - its worth around £125,000. My husband and I are looking to buy a new property worth around £185,000. We are considering raising a buy to let mortgage on our existing property and renting it out - we estimate we would…
Right to but mortgage and fees assistance please!
Hiya all, my brother has been given a price from the council but ha sbene unable to find a mortgage suitable. He has been told that there are only a few companies who do this and has had one qoute from a company who told him that this would incur £3.5 fees for sols and arrangement fees. Does anyone have any experience of…
First time Mortgage Help!
I'm looking to apply for a mortgage for approx £85,000 on a £91000 property. I have just checked my credit score with Experian out of interest, after I've done a search for 3 credit cards as I didn't realise they were all MBNA and I've only just closed one. It says my credit score is "fair" at 844. I will have approx…
Remortgage advice as partner now Self Employed!!
Hi, I am looking for some remortgage advice please. My partner and I have a £98K mortgage with Nationwide which is coming to the end of the 2 year tracker next month. We have a term of 21 years left. When we took the mortgage out we were both earning full time and earnt just enough to get the mortgage we have. We are quite…
Mortgagecare
Hi, I had a redundancy cover with a company called Mortgagecare. I received a letter about 2 years ago saying that the cover was now under a different company (unfortunately I must have filed it somewhere unthinkable as I can't find it now). Does anybody have one of these policies and know who has taken the cover over? I…
claiming back bank charges does this apply to mortgages aswell?
Hi I've been reading up about claiming unfair bank charges from your bank but does this apply to charges made by banks and building societies in regards to your mortgage?
First time Buyer How much??
Hi all, I’m looking to buy a place in London but I’m not sure how to go about getting the amount together. I’m 30 years old and happy to go for a longer term. I want to buy a house for about 160-180k, I have a 20k deposit and earn about 28k. I also have about 5k in assorted low/0% interest loans and debts but will be…
nat west int only mort
I would appreciate a spot of advice on my nat west fixed rate int only mortgage. I received my first statement today and it seems I owe them more than when I first started. After much paperwork searching I think I know the answer. They quoted and deducted each month the interest on the amount borrowered but they have admin…
Is this normal?
Hi We are in the process of remortgaing, we have sent all the nesserceery paperwork to the solicitors and the broker we are using spoke to them just before Easter and they said it was all clear after this. We haven't heard anything since Easter now, is this normal. Its been 4 weeks since we started the process so I thought…
Mortgage error - how best to complain?
My mortgage company have made an error in putting me onto their standard variable rate (6.95%) when my fixed rate expired. This was despite me having a letter dated 13 January confirming that they had accepted my application for a new 3yr fixed rate deal with effect from 01 April. I had also had a telephone confirmation of…
Problems with Identity Check
Hi - I've recently applied for a One Account. I've received an agreement in principle on a new-build property, and the LAST thing the One Account people wanted was sales particulars for the house, and a utility bill showing my current address. I currently live in an apartment block which was built in the last 12 months.…
Mortgage for First Time Buyer. Help Please!
Hi. I wondered if you could help. I'm looking to buy a place of my own but could do with a bit of advice before I approach for some mortgage advice. I currently have debts which are approx £8,000 which are on 0% credit card, paying a lump sum amount off each month. From this month onwards I will be taking home £1,400…

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