-
Equity release..where do I start..?
Hi all Apologies if this is in the wrong section,but I'd like to find out a little more about releasing some of the equity in our home. Could anyone please tell where would we start to look for details and how does it all work etc..? Thanks T
-
Deal or No Deal
Do people think I should stick or twist on the following:- Surrender value £21,823.Norwich Union. Taken out in 1987/ matures 2012 Total guarateed payment £28,001 Projected 4% £34,300 5% 336,400 6% £38,600 Premium £61.95 per mth Have had an online offer from app for £25k and an offer in writing frm another endowment buyer…
-
Endowment - Terminal Bonus
Hi, I have a Friends Provident With Profits Endowment sold in March 1988 for £56K due to mature in Sep 2012. The current projection is for a shortfall of between £9K and £19K, the guarantee is for £32K. An IFA told me last week that it is possible that the terminal bonus will actually pay off the mortgage. Can anyone…
-
Another mis-selling question
Hi all – was wondering if anyone can offer me any advice. Took out an endowment in 1998 with L & G – was told by the man at the time – oh yes of course this will pay off the mortgage and give you so much money spare you won’t know what to do with it all! (well not quite but you get the idea). Anyway – I did try a couple of…
-
Endowment Choice
Not sure if this is worth keeping going so any advice would be gratfully received. Maturity date on the 25 year policy---14/09/2013 Sum assured £19,200 Declared bonuses £10,007 Surrender value £23,803 Monthly premium £107 Projected growth @ 3.5% £38,600 @ 7% £50,200 The above is a savings vehecle only and is not required…
-
Any advice on Self -Certification
My grilfriend want to buy a £190,000 house, she has £130,000 deposit and needs a £60,000 mortgage, she has mostly benefits and a part time job which will cover mortgage payments, is there an easy way of finding the best self-cert deal for her?
-
Advice Please - No Planning Permission
the property we been looking to purchase may not have Planning Permission for when it was converted to two flats. our solicitor says there is indemnity insurance but hasn't explained what this is, can anyone help explain this. We know the seller has sold the downstairs flat previously, surely there would have been a need…
-
How long to fix for?
Just wondering what peoples views are on choosing the length of fixed rate deals, assuming youve decided you want the certainty of a fix over the possible saving/risk of a discounted variable rate. A lot of fixes on the market are either 2 years or 5. There are some very low rates available for 2 year fixes. But by the…
-
Bad remortgage fees experience
Hi All, I wonder if anyone can help me. I have had a terrible experiecne with the Portman Building Society. I applied for a remortgage with them, paid £499 for a valuation fee and received an offer (during this time they sent my mail to 3 incorrect addresses and told me to go and knock on the relevant doors to collect my…
-
Cheapest Two Year Fix
Does anyone know the current cheapest two year fix (with no tie in) for a first time buyer? All the best buy tables I have come across, both in the newspapers and online, are out of date / incorrect for almost all entries.
-
Would you buy in to your In-Laws house????
Hi Guys My Hubby and I were offered an oppourtunity to buy a share in His parents house (which has a large plot of land not acres but large), and build an extension. We would all live in the house which would go from a 3 bed to a 5 bed. We would have a 50/50 share with his parents and also a 50/50 split on all bills. They…
-
Endowment mis-selling
How do I prove that I was promised that the endowments would repay the mortgage? Can I rely on the fact that I bought endowments with guarantees about the return, and now I find I have had to raise repayments on one and lengthen the term of the other. any experience of this would be welcome patsyk
-
endowmunts
just another case of endowment mis-spelling :rotfl: :rotfl: :rotfl:
-
[b]best Buy To Let Offers????? [/b]
Hi thanks for your advice upto now, I think I'm getting somewhere. What I'm looking for now is a buy to let that I can pay 10% deposit and have a fixed rate for the next 2 years on a interest only mortgage, are there any that can be recommended, one of course that don't have high fee's included? I know I what save, save,…
-
Who checks ID?
Our mortgage broker checked our ID, wage slips etc a while ago - since then we've realised that my other half's passport has expired.... Obviously we're on the case to get a new one, but even so don't want things to be delayed because of this oversight, even by a week. The mortgage has now gone to the underwriters - are…
-
want to buy another house, however....
.....I have just quit my job! I currently have 2 houses that I let out to students, and would like to try to buy another house ready for september. Only problem I have is getting the deposit sorted - both houses are on a BTL mortgage, so would I be able to borrow more against them to generate the deposit required?
-
Remortgage over shorter term or make overpayments?
Hi Guys I want to raise my monthly mortgage payments to pay the damn thing off more quickly. I also intend to remortgage as I've reached the end of my fixed rate. This thing I am struggling with is, should I (a) remortgage over a shorter term than is currently left, or (b) remortgage over the same term that is currently…
-
First time mortgage, second time buyer. Any help/advice, please?
I posted this on the house buying board yesterday and have been recommended to post it here. I'm just a bit stumped as to what to do, so if you have any suggestions, that would be great Thank you!
-
Standard life-high risk of shortfall letter
Just received a yearly statement from them.I have already claimed got £3000 off them about 1 year ago,I no longer have a mortgage on this endowment.Have never seen" red alert" on my statement before.is there anything else i should do?
-
Remortgage for my Mum
My Mum is looking to remortgage as she is with Legal & General paying interest at approx 6.5% :eek: She was going to go for the Nationwide 5 yr fixed (she wants interest only). Her house is worth approx 250000 and she is looking to borrow 113000 however after her appt with nationwide they told her that for interest only…
