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Selfbuild Mortgage
Just A Quick Question, Looking Into Buying An Old Stable And Coach House Which Has Planning Permission To Renovate Into Residential, Has Anyone Any Info Links Etc On Selfbuild Mortgages Or Any Other Way To Finance This, Cheers Dave
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Advice on how to find a good IFA please???
Have received endowment redress from Std Life and they also offer to pay fees up to £350 for an IFA to sort out conversion to a repayment mortgage. Any advice please on how I go about finding a good local IFA? Many thanks Dolphy
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Legal Fees - What do you Think?
Hi All, So just a little background to begin. I had a job. . . . A well paid job. . . . Got made redundant. . . . . got into an immense out debt. . . . currently digging myself out! Good news is that I have got a good job now, and am starting to pay off all the people, but unfortunately i did end up with 4 ccj's against me…
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Early repayment charges.
Please can anyone help. The Royal Bank want to charge me £3000 to get out of my mortgage deal early. Are these charges covered by the recent ruling indicating that banks penalty charges should not be excessive? Any help or advice would be appreciated.
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House Deed
Say if I was to held the deed to my house and the mortgage lender did not possess it, would I legally own the deed to the house because I hold the document but a mortgage still stands?
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Getting a better re-mortgage deal with existing lender
Hello, my fixed term is up with my lender Abbey. They will not offer me as good a deal as new borrowers (have to pay about 0.4% above. 5.4% fixed over 10 years). I said that I would move my mortgage (£115k on a property worth well over £250K) if they didn't reconsider. They said that was final offer. Any suggestions on…
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Standard Life Comp Offer - Help needed please.
Hello, Standard life has offered me compensation of £918.06 This offer has been made with me providing no more details than the form that Martin encouraged us to complete - Thanks Martin. I would like some help as to what to do now. Does this sound a fair offer - I have 2 weeks to decide. They have based it on the FSA…
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I'm gonna vote NO to Standard's Demutualisation!
Yeah call me PIGHEADED, but I don't care.....a poxy 970 shares for 2 endowement policies misold to me in 1984..........and I find there's nothing I can do about it. Ha!........noway they can stay mutual and suffer!
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First Time Buy (Mortgage help)
Hello, I have a question as a first time buyer. First of all, I am Korean and can not make a question well but I would really appreciate your feedback for my question below regarding to get a mortgage. Please have a look the information about me and my fiance's financial status below then let me know your valuable opinion.…
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one for all you mortgage experts
I am looking to remortgage. I am currently on a tracker rate with Nationwide and wish to stay with a tracker rate. Nationwide are offering 0.11% below BoE base rate (currently 4.39%) with an arrangement fee of £599 for a two-year tracker. Brittania is offering 0.10% below the base rate (currently 4.40%) with a £499…
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booking fee what if declined?
I had few quotes from differenct lenders right now, they are all fee based products. They will charge me booking fee when I make the formal application. I want to know whether I will get my booking fee back (or partically) if the application be turned down? I check the T&C, it says only I dont get money back if I dont take…
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100% BuyToLet Mortgage
Hi, i want to purchase a 1 Bedroom BrandNew Appartment for letting. They will require £1k as deposit and 10% £13k within 21 days. The appartment is £130k and it will not be complete until end of Summer. As i am going through the purchase of another property, i really dont have any money left over spare, however, i really…
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How easy is it to find a fee-free all of market broker?
Are they like gold dust or a quite a few of them fee free?
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compensation received for mis-selling-what now!
Firstly i would like to say thankyou to everybody for giving me the courage to apply for mis-selling, much appreciated. I would welcome now any advice as to what steps to take next, i just don't know what to do. I have 2 endowment polices with Legal and General:- 1. Policy started in Oct 1988 to repay £51,150, last…
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Mis-sold Endowments-how unlucky is this?
Don't know if there is any help out there, but any advice that can given would be very gratefully received. We took out an endowment policy on 25 March 1988(!), 6 days before FSA regulations apply. The policy was with Standard Life and was for £39000; it was a with profits policy. It was sold to us by our bank HSBC. At…
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very complicated, can it be done?
I posted earlier about my 1/4 share in house that my parents have inherited. (thanks for the replies!) this is the full story and not sure at all if it is all possible... we bought our council property last year and cannot sell it without having to repay our council discount until Feb 2008 (As the property now has around…
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Moving - not sure what to do with endowments
We are hopefully moving soon and im attempting to sort out a new repayment mortgage for £160K (currently have IO mortgage for 63K with 2 red Alert endowments attached to it). Im really confused what to do with the endowments - sell, surrender, keep on as savings (!) or use as part IO mortgage (based on intermediate…
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Buying council flat
My Grandad has recently passed away leaving my Nan in a 2 bedroom flat. When my Grandad was still around we discussed the possibility of me buying the flat (using their council discount). However, things started to get a bit complicated and we stopped looking into it. Does anyone know what I would need to do (or what my…
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Locked-in Mortgage Deal
I have a two year fixed rate mortage with Northern Rock (2.25%) with a tie-in till 2011. The Special Rate Period is now due to elapse in June, where it will return to the standard variable rate (5.89%). At my mortgage review the advisor suggested that I should ride the mortgage out, due to the high redemption charges. Some…
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Was you sold a Mortgage linked to Pension in 80's?
Back in the late 80's Abbey life sold a lot of pension linked mortgages, showed forecasts at the high growth rates and people got sucked in...me included but I was only 30, as a result after 8 years I had effectively just paid interest only on the mortgage and the pension fund hadn't grown like forecast due to dropping…
