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FTB A Few ?s On Remortgaging after a 2yr fixed rate
Hi, Im a newbie first time buyer just stepping on the property ladder & i have to say that these forums have provided me with a massive amount of information over the past 3 weeks. general situation, me & my gf found a 2 bed house, put in an offer of £124000 which was not accepted, seller said £125000 and we can have…
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How long does it take?
Hi, finally getting on property ladder, my broker has applied on line with intelligent finance and have been accepted. However, this is my Egg aniversary month. I have £9k that I really want in a savings account, but don't want to screw with the mortgage application by having a £9k debt appear on my credit file. So, does…
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Please will someone put my mind at rest???
Hi all, My fiance and I have just sold our house, and are due to complete a week on Friday. We've found an amazing house that we've put an offer in on, and have had mortgage advice from a mortgage broker from CountryWide. The problem we have is that my fiance has got 2 defaults on his credit file. This is something we've…
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What is the best way for me to pay off my mortgage?
We have an interest only mortgage that was linked to our personal pension plan. We now want to start paying off the capital, which has been reducing as we have regularly been "overpaying" our monthly mortgage payments. We now have no early redemption penalties on our various mortgage accounts - all with Lloyds TSB /…
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best way to fund house purchase in france?
I have virgin one account mortgage paying 5.7% interest. I have £5000 remaining + £5000 on 0% credit cards. House is worth about £240,000 and I have a facility to withdraw about £72000. I need about £80,000 to complete the purchase of a house and a bit of renovation work. The offer has been accepted. So in effect I need…
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Mortgage/debt questions - please help
Ok. Scenario. About to sell house for £130K - mortgage outstanding = £60K leaving £70K profit. Needing to get the highest mortgage possible for new house but also have £20K in debt - a mixture of loans and credit cards. What is the best next step? To pay the debt off completely from the £70K profit thereby reducing the…
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fixed rate ending soon
my current deal is with norwich and peterborough fixed for two years at 3.9% this is due to end january 2007 but after that i am on the standard rate for another 3 years(redemtion fine), at the time it was a very needed reduction in my payments and although the standard rate is just about managable i am wondering if its a…
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Best two-year fix?
Currently being advertised on the Stroud and swindon home page at http://www.stroudandswindon.co.uk/ It's a two-year fix at 4.15% with early redemption fees till may 08. Is that the best one around at present?
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confused about new mortgage interest
hi, very grateful if anyone could help with my concerns.. i have a new mortage, 3 years fixed at 3.99%. at the moment, i am paying approx £500 per month and then interest is charged at approx £400 per month. which means that i am only paying off my repayment mortgage of £100 per month at present. is this correct??? :huh:
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Name transfer help
Hi , my first post, was hoping you could help :confused: ... basically my mum has a property that is registered in her name, but she would like to transfer the property into the names of her three children (Ages 24,19,15) Just needed to know how she would go about doing this other than leaving the house to us in a…
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Endowment - Complain to whom ?
I was sold an endowment by a financial adviser employed by the estate agent where I purchased my flat. Can anyone advise if I should complain about the mis-selling to the estate agent or direct to the endowment company, Scottish Provident ? I did try asking the FSA Helpline but the guy there didn’t seem too sure. Thks, A
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redundancy... help!!!!
we are close to exchanging contracts on our new house and have accepted the mortgage offer and signed all relevant solicitors forms concerning the mortgage. However my partner has just been made redundant this week!!.We know that we are supposed to inform the mortgage lender of this but obviously they will withdraw the…
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Property "down valued" & mortgage prob - please help
hi i posted this in house selling bit, but am wondering if it should have been in here as its really to do with the mortgage offer can you please have a look thanks v much http://forums.moneysavingexpert.com/showthread.html?t=182966
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More fun and games
My bro-in-law has just heard from the FSA that he should receive compo from the company that provided his endowment in 1990.The provider has objected and so it will be moved on a further stage. The same provider also arranged an endowment for my wife and myself in 1988.Both policies are with Scottish Life,however ours is a…
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Endowment misselling - Scottish Am/Pru
Hi, I was wondering if anyone else is in the same position as me...I have two Scottish Amicable endowment policies sold to me when I was an employee. I've now gone back to them(or the Prudential as they now are) to see if I was mis-sold. They've come back to me to say...amounst other things...that it was a condition of a…
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offset questions tax?
I was just reading that you dont get paid interest on the money in the bank it goes against the mortgage. Does this mean its also a way of avoiding tax on savings. And am I right in thinking, if you have a £100000 mortgage you can just put in £100000 in the bank as fast as you can then pay off the mortgage?
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which lender
Hi, can anyone offer advise as to the best lender to offer 95%
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Can I claim for misselling if I've already surrendered the endowment?
I was sold an endowment in 1990. In retrospect I'm pretty sure I was missold given my circumstances at the time, but when I made initial enquiries about claiming (in approx 1998/9) the provider was not helpful and told me firmly I wasn't entitled to anything. I believed this and don't think I have records of the…
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Endowment offer reduced - does this sound correct?
Hi, I purchased a Standard Life endowment policy in 1989 through Bradford and Bingley. I recently complained and was offered £2274 from 1989 up to 1996 as this was the date I advised them that I changed to a repayment mortgage. However when I checked my records again I did not change to a repayment mortgage until 2001 and…
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Help with mortgage
Hi Any help would be appreciated. My husband and I have been self employed for 6 years and have 6 years books. On average we earn £35,000 gross. With our business we have a lot of travelling costs up to £18,000 a year leaving us about £17,000 profit. We really want to give up the business and I am employed as a trainee…
