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royal life - who do i complain to?
Hi, Well, after putting it off for 2 years and 11 months, am finally getting round to complaining about our endowment. It was bought from Royal Life in 1987. The last warning letter was from Royal & Sun Alliance in March 2005. But I've been reading on the boards that the company has changed again? We haven't received any…
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Martins View On Using Mortgage Brokers...
Hi, As its often debated here 'to broker or not to broker' I thought I would briefly lay out my thoughts. "The right broker is a big benefit. Far better to go to a broker than direct to one lender who will simply try and flog you their own mortgage. They will look after the market and possibly bring you better negotiating…
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Any advice on a new mortgage
Hello. I have just bought a house and now thinking of a mortgage. To start off the mortgage i would like to go for a 2 year fixed deal. The deal i am looking at is the Portman 4.3% fixed for 2 year. Am putting down a depoist of £65'000 and will be borrowing £140'000 This means £772.87 per month for 24 months. £399 fixed…
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is this ok
how would my friend and I get round this. she is planning to buy a flat and will try to get a 95% mortgage. I am planning to put up the other 5% since she has no capital and it will be an investment for my money. Is this ok to do this in the eyes of mortgage lender.
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Best date for completion??
I would like to avoid being charged excessive interest on my first months mortgage payment,or playing catch up on the interest. Our mortgage company A&L,have written saying that funds are ready to be released.We have just received the draft information from our solicitor,up to now no mention of an exchange date or…
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Changing job and mortgage?
Hi everyone, My house is for sale and I'm changing jobs at the end of April. I phoned my mortgage lender whom I have been with seven years and asked this question: "If I sell my house in the next couple of months how does the fact that I will only be in my new job a couple of months affect my mortgage application for a new…
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Endowment Shortfalls and Orphan Assets
Like many other members posting here I'm facing a shortfall in my endowment policy, linked to my mortgage. Sadly, I have been unable to locate any information to support a misselling claim, and in any event "my time has expired" according to the industry deadlines. However, I recall that many (all?) large insurance…
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Endowment Shortfall and Orphan Assets
Like many other members posting here I'm facing a shortfall in my endowment policy, linked to my mortgage. Sadly, I have been unable to locate any information to support a misselling claim, and in any event "my time has expired" according to the industry deadlines. However, I recall that many (all?) large insurance…
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Fixed rates set to rise
I see Nationwide - like Northern Rock - have put their fixed rates up, just as they loosen their lending criteria even further. Britannia still one of the cheapest at 4.34%, but probably that rate won';t last long. As swap rates go up, these fixes are likely to become that much more expensive, in relation to a variable.…
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Tax credits/child benefit as income?
Do many mortgage providers allow you to count in your child tax credits and child benefit as part of your gross income to calculate how much mortgage you can get?
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Have Bad Credit ??? Need Home Equity Loan!!!
Hello Everyone, If you need a home equity loan, or you need the best mortgage for your needs visit http://www.flmortgagedepo.com/ for reliable information on mortgages, benefits, requirements and factors to consider before you apply for a mortgage. And you can check whether you can afford a mortgage or find out the loan…
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Information on Mortgage Refinance
Hello Everyone, I was planning for mortgage refinance and was looking for some cash out to re-innovate my house. I was in search of a company that would be the best and provide me mortgage refinance loan at a low rate. I was lucky to know about this company after a lot of research on net. It helped me a lot to bring my…
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Mortgage while on maternity leave
My partner and I are thinking of moving home. However I'll be on maternity leave at the time. Are lenders likely to reduce our income for their calculations accordingly or are they obliged to consider my contracted annual salary?
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Re-Mortgage potential arrears problem
Hi Everyone, Wondered if anyone could give me some advice on overcoming a potential fly in the ointment when its come to re-mortgaging which I intend to start doing approx june/july time of this year. Due to being self-employed in the past I had to take out a self-cert mortgage with the Stroud and Swindon mortgage co which…
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Mortgage Capital Repayment
Hi! I havce my mortgage at the moment with Northern Rock and I am ina position where I am able to make a capital repayment of about £5K. I would like to use this money to pay off some of the capital and thus reduce the term of the mortgage, while still making an overpayment on my monthly mortgage payment. (Hopefully…
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Need a better rate - but hubby out of work (temp)
Hi, I was wondering whether someone would be able to shed some light on this for me. My lower rate mortgage ends in December, so I need to get the ball rolling in May. However, hubby is out of work at the moment. He should be back in work by May, but will this affect our mortgage offer. (the fact that it is a new job and…
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help for friend
can anyone advise how my friend can ger herself back on the property ladder. She had her flat reposessed 4 years ago and she dosn`t even have a credit card. Maybe first she would need to increase her credit rating, how would she do this? ny advise much appreciated. she has a really good job (senior social worker)
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Credit Checking for a Mortgage
Hi, I am completely new to this forum and am a little nervous to be posting this new thread. Basically, I am a debt-free wannabe and am on a DMP with the CCCS. My partner and I are hoping to move house shortly and have found a place we love. Due to my financial situation I will not be on the mortgage, but I am concerned…
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Surrender or sell my endowment
Just wondering If I would get more money selling my endowment rather than surrendering it. Anybody any Ideas???
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Brother in Law and his Endownment !
Hi all, My Brother in Law has gotten himself in a right pickle with his Endownment policy. I have been on at him for ages to do something about it, maybe edinvestor or another could offer any advise. He took his endownment out in June 1991 for 15,750.00 pounds paying 21.75 per month. He had a letter advising that there…
