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Should I continue with my N.U. Endowment?
Hi, I have just received some figures for my endowment, and was wondering whether one of the fiscal regulars could tell me whether its worth maintaining? CGNU Life Fund With-profits Endowment Target amount = £24K Monthly Premium = £40.03 Start Date Jun 1998 Maturity Date June 2023 Bonuses so far £1169 Surrender Value £3K…
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mortgage on land with planning for mobile home
Hi everyone, I am new here and have a fairly urgent question. We are FTB'S and have found a 3 acre plot with hardstanding ,water, electric, phoneline etc . The previous person had a mobile home on it and as we cant afford a house with land this is our dream place. We need to find a mortgage company who will lend us about…
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Got my endownment compensation
Hi, Just wanna say a GREAT BIG THANK YOU to this site for giving me the inspiration to claim against a missold endownment. Got a cheque for £5,500 this morning from Zurich - just stuck the champers in the fridge. I'm now after the Woolwich for bank charges illegally claimed against me (another masterstroke of information…
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Chrissy
I own a property motgage free value £130000, I want to raise £100000 to enable me to buy another property value £125000 Could I remortgage to raise this amount and if so what would my repayments be I tried to get a normal mortgage for the 100000 from Alliance and Leicester but the max they would lend me is £78000 :confused:
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Help, endowment mis-sold, do I have a claim
Hi,(sorry this is so long) I was sold a legal and general endowment in 1996 and wanted some advice/views on whether I have a claim. I feel I was strongly led down the path of an endowment by the advisor, with a lot of talk about the potential lump sum at the end of it, and no talk about the potential of it not paying off…
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Buying Property in France - finance
Hi I'll try to be as brief as possible, but would very much appreciate your views. Hubby and I want to buy a property in france for our own use and possibly for rental. Aim is to retire abroad in 17 years. Current house in England valued at £210000 with mortgage outstanding of £37500. Anticipate spending £100000 in france…
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Mortgage Interest Calculation
Once a year an amount of interest is charged to my mortgage account. I have no way of knowing if this amount is correct. I check it to see if it looks roughly right - but in the end who knows? :rolleyes: Don't you think this sucks! Don't you think mortgage providers should give us more details of how they arrive at their…
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Standard Life question
Hi, I wonder if you could help me. I have a Standard Life endowment with ten years left to run. However, I intend emigrating at the end of this year so I will probably cash it in or sell it or whatever you do with these things. I would also like to do some home improvements before I sell the house, would it be worth…
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Mortgage Database
Hi, Recently i visited a mortgage advisor and he used an online database to search for mortgages. It seemed a very useful piece of kit with all the providers on there and with numerous search fields. I was wondering if this is available to all. TIA
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Can we claim
My husband took out an endowment in 1990 - he was serving in the Armed Forces and wanted the money to put down a deposit when he left and needed a house rather than to pay off a final amount on a mortgage. He now is facing a shortfall on the amount he was told it would pay - can he claim even though we don't have a…
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What do I need to do to get a mortgage certificate?
I have just accepted an offer on my property, and therefore have just started to look at what is on the market for the property I want to buy. In order to get 'one step ahead' when we do finally find the property we want to buy, I thought I would get an 'agreement in principle' from the HSBC, who I have identified as the…
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What to do?
I am already on my last few years of my endowment policy and now i had a letter sent to me about my endowment policy is in a very high short fall. What shall i do?
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Mortgage Repayment Protection or Income Protection?
I have an Income protection policy which will pay out £1200 max per month, for up to 12 months in case of accident and sickness. My mortgage is around £600pm. So do i need to pay out for mortgage repayment protection as well? Theres a limit to what some of them pay anyway, (about 50%) of gross income i believe. I'm…
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Mortgage Payment Protection
Should I take this out. Am getting a mortgage of £52K by myself Salary is almost £16K and iwll love alone and so not really another income Have looked into it and found helpupay Was wondering if i should get it or another one that would just pay out the mortgage or if its worth paying a higher premium but having a…
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Handy references for mortgages
Hi Guys, I've profited by some of the advice given on the boards recently and as a gesture I'd like to point you in the direction of this site http://www.mortgagesexposed.com/ that I came across a few hours ago, I'm still trying to get my head round the stuff in it but it looks quite useful. When the endowments were…
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First Time Buyer Mortgage Finance Help/Query?
This is my first post so please don't be to hard on me if its not in the right section. I am looking for any advice/solutions to helping us get our first mortgage for our first house. My partner and I have been living with our in-laws to save for a mortgage, we had been renting for the last 8 years so it was about time we…
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Need 100% mortgage for spanish property
I am looking for 100% mortgage for spanish property, preferably from a company based in Spain or I need to raise the money in the UK. Can anyone give me any advice on this? Many thanks.
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Buy to Let Mortgage / Pension
I have been hearing about the possibility of buying property and putting it into my pension. My mother has decided to sell her house and has given me and my spouse first refusal. The house is underpriced at £50k, my house is £50k and our combined household income is £40k per year. I believe we can afford the mortgage on…
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0.50% Tracker good rate?
Hi could anyone tell me if a offset tracker at 0.50%above Boe base rate for life of mortgage no fees sounds ok? only catch seems to be a charge of £5per year If I dont insure with them. its with newcastle building society link to details Thanks Ranger
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Phoenix Life & Pensions - Endowment Policies
Hi In the past my wife and I have purchased 3 endowment policies via Royal & Sun Alliance to cover the purchase properties previously. Having been advised that these policies were going to under perform to somewhere in the region of £18k :shocked: We made provision to cover this shortfall in other ways (and also recovered…
