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confused with mis-selling endowment questionaire
I am trying to fill in the endowment forms from Norwich Union. One talks more about when we bought the endowment which is fine, I know who sold us the endowment and we still have pay slips from 1988! But the other wants to know about what mortgages we have had, we have had 6 since 1988, but do they really need to know this…
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mortgage on small holding
hi there, does anyone know of a high street lender who would be good to use for a mortgage on a small holding consisting of 17 acres to be used as a main residence, has small cottage in grounds, no agricultural ties and no intention of farming any part of the land. thanks,,,
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Buying council property
Hi, I need as much advice as I can get from you people. Me and my DH just got right to buy our council property. We got the price and for London price is ok plus we got discount(council also gave as appr. price for future works on building). For us this is the only chance to get on property ladder. Now can you give me…
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Changing circumstances - decisions to be made..
Hi all, I'd appreciate some advice please mainly in regards to my mortgage and endowment but my changing circumstances are perhaps relevant too (apologies if this is unnecessarily waffly)... In the last year I have:- * Been made redundant * Got around £8K redundancy money remaining. * Spent 8 months on a fixed term…
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Pre '88 Standard Life Endoment
I took out my endowment Mortgage with Standard Life in July '87, it matures( for want of a better expression!!) in 2010. Having contacted the seller and the FSA in an attempt to get some form of financial compensation. The FSA say that because it was bought before April 88, there is nothing they can do about it. Does any…
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Endownmnet Maturing - What Next?
Hi, my endownment will shortly be maturing. What happens on the date of maturity, does the endownment provider send me a cheque or is it paid direct to my mortgage lender? I am asking the question, as I will have a shortfall of approx. £2,500, which I have been aware of for some time, and have put aside in a high interest…
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Predictions on mortgage rates
Crystal ball time. I'm opting for a Northern Rock fixed rate (due to their generous lending criteria) but should I go for a 2 year fix or a 5 year fix or longer? Don't want to tie up too long because of exit penalties should I need to redeem, but I also don't want to be faced with a higher rate in 2 years time.
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Mortgage applications and exiting debts
Hello everyone, This is my first post on this great informative site, so please bear with me. I'm trying to move house and have a few questions that I've tried to answer by looking through other threads, but haven't really managed to. I would be very grateful if you could give me your views. I've tried to give as much…
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Can I get a remortgage on just my pay.
:confused: Hi I need some advice,I/We owe £28000 on my mortgage comprising 3 sub accounts. My house is valued at £90000,I pay £266 pm in total, I want to remortgage as I am paying insurances on these three accounts so want to combine them into 1 maneagable Loan. My question is if I apply for a mortgage on just my pay of…
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Help with parent's endowment
I would be grateful if someone could tell me what my parent's first steps should be re their shortfall in endowment. They took out an endowment in about 1986ish, their mortgage is with A&L. They have known now for I suppose 5 years that there is going to be a shortfall, but my parents are the "bury their heads in the sand…
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remortgaging and my job
Hi I wondered if anyone out there could help... I am now at the end of my 2 year fixed term mortgage. My question is, since I now do not have a fixed contract, will this go against me when I remortgage? Your help/advice would be greatly appreciated, as I am a bit nervous about going to my appointments that I have set up…
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Should we Re-Mortgage??
Hi, I have just come out of my 6 years following an IVA, and after a bit of hassle from two creditors that had incorrect information on my credit files, I am now in the position that my credit file is clear, and I think it would be the best time to reduce my outgoings substantially (I hope) as I have been on a non or low…
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Endowment - Can someone confirm good/bad one ??
Hi All We got our endowment in 1990 for £36,995 over 25 yrs with Eagle Star (now Zurich) via Bristol & West BS. In last 5 years we started to get red letters and have increased premiums to £151 p/m - we are now back on track with green letters. We have a guarenteed payout of £36,995 as we have increased as recommended. As…
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Advisor gone out of business
My Independant advisor for Norwich Union has gone out of business after giving me Endowment advise, I contacted Norwich Union direct and they wer'nt interested, is there any other way forward. Kind regards Ashes
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Contract Terms For Non Completion
Hi, I’m going through the pain of moving at the moment selling and buying. Got a letter from solicitor today regarding terms in the contract for the place I’m purchasing, advising me to not accept the contract from my seller and the seller solicitor wont budge on any change. Now I’m not sure if my solicitor is covering her…
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Cannot Remember who sold me my Endowment - can I claim?
New poster here. I really need some help, please. I have a Standard Life Endowment Policy which I took out in August 1988. I have just had another Yearly statement telling me (again) that there is a high risk of a shortfall. Details are: Target Amount (life cover): £13,245 Sum Assured: £4305.00 Declared Bonuses: £2964.06…
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Move along, nothing to see here
DOH! I am a donkey this morning
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Remortgage-------My Brain Hurts
What with APR's,Base Rates,Percentages,Valuation fees,Arrangements fees and Booking fees my brains really hurts. Anyway remortgage time will be here for us come 3rd August,and I read in the paper the other day that if your due to remortgage soon get looking as deals are usually valid for 3 months or so and it is a good…
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RIGHT TO BUY MORTGAGE which lenders help ?
Hi Im Looking for some advice I want to buy my flat from the housing assosciation as i will get a %44 discount which means i could get it for around 16k - 20k but would like 30k for improvements and so i could buy a newer car also. I have no debt and my alfa 156 is paid off. I have looked and enquired about some of the…
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Would this be possible?
we are looking for our first home together and can't afford a deposit and one of our friends suggested taking a loan out for the 5% deposit and then leaving it a few months until we've made some repayments and then apply for a mortgage, is this a good idea?
