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Mortgages & endowments

Archives for May 2006

Additional Borrowing Advice
Hi, I need to raise around 15k and as i have around 50k equity in my property this is my preferred method to raise the cash. My mortgage is a 10yr fixed openplan with woolwich and my worry is that they say the 15k will have to be paid back immediately if i move house and wouldnt be consolidated into the mortgage if i moved…
Can we still get a mortgage /
Hi there !! I am currently living with my boyfriend in the house which he owns. We are looking to buy a house together, but I am worried that we won't get a mortgage together due to my adverse credit history. Will we be turned down due to my adverse credit history even though he has had a mortgage for years and has never…
mortgage - bank or broker?
Im going to look for a mortgage next week. I really havent a clue,I need a 100% mortgage. Where is the best place to go a bank or broker?
CEMAP Student Question
Hiya, I am currently registered for CEMAP 1 and hope to write the exam in a couple of weeks. To test my knowledge I am trying to get my hands on practice questions. Looking on e-bay I found a number of different offers, one of which is from Examtec who sell 1,000 revision questions for a tenner. Has anyone used their…
Should I put my savings into my off set mortgage account?
Hi, I'm a newbie here, fabulous site! Am thinking about putting my savings into my current account, as it will offset the mortgage, - this means that I lose the interest on my savings, but it means that I can pay the mortage off a year earlier. Has anyone done this? :rolleyes:
Should I have told my lender?
Hi My partner and I arranged a mortgage back in December (when I was working at a call centre part- time [I'm a student]). I put my income down as £5kpa (about right- I worked variable hours) I gave them my last 3 month payslips and the bank were happy. As you have probably guessed my partner earns a LOT more than me-…
Woolwich withdraw 4.69% Lifetime Tracker?
Just spoken to my mortgage broker guy who informs me that the Woolwich are to withdraw the very interesting Lifetime Value Tracker deal as of close of play tomorrow. I do not know what they intend to offer in it's place or any further details but I have made an appointment for tomorrow evening to get the application…
Endowment entitlement with repossession?
While living in US husbands apartment was repossessed by the bank. He had an endowment policy with another bank. Is he entitled to any of the endowment?
Abbey Life Endowment Policy
I would like some independent financial advice regarding my current endowment policy with Abbey Life Assurance Company Ltd. In April 1992, I took out an endowment mortgage policy of £34,500 (target amount) over a period of 25 years. I have been told that the endowmwent policy is at HIGH RISK for not achieving the target…
Mortgage application worry
hello everyone , i hope you can help put my mind at rest. I applied for a mortgage with Intelligent Finance via London and Country a couple of weeks ago , filled out all the forms , sent in numerous forms of ID , but still cannot get an answer out of them as to whether or not they're willing to lend me the money. This is…
Old Standard Life Policy
About 20 years ago, I had a Standard Life endowment on my first mortgage. I switched to a repayment and didn't do anything with the SL policy. Am I now eligible or anything and how do I get in touch with them??
3 questions for the price of 1 :D
Hi all, First time poster.. great forums :D Anyway, just a couple of quickies as i'm kinda looking for info ... Background info: Living with my girlfriend in her house and looking to move. Our House was originally for sale and we got a buyer through the estate agent at our asking price. Needless to say we found another…
Miss-sold Endowment - But time has moved on
Does endowment miss-selling compensation take into account what has happened wrt one's personal circumstances since it was miss-sold? Would the outcome of the miss-selling investigation be any different had the sun shone on me and I had won the lottery:T or had I continued as an unsuccesful purveyor of chocolate…
Endowment Mis-Selling?
Hi, My mum has had an Endowment Life Insurance Policy with CIS (the Co-op) for the last ten years, and has just been paid out. It was only a small policy (she paid in a total of about £650); however the payout cheque is 30 quid less than she paid in!! I've also got two endowment policies with them, both over 20 years and…
Advice Please
I just received £1280 from Abbey for a missold endowment :T , I now want to switch to a repayment the endowment is worth about £9000 after six years, should I cash it in and use the cash to pay off a large chunk of my £69,000 mortgages ?
Standard Life vote result
98% of those who vote, vote in favour of demutualising. 1.5m voted. News on Reuters: http://today.reuters.co.uk/News/newsArticle.aspx?type=businessNews&storyID=2006-05-31T113052Z_01_L31257944_RTRUKOC_0_UK-FINANCIAL-STANDARDLIFE-VOTE.xml Well done to those who took part. If you didn't vote or confirm your details last…
Sainsbury's Bank....can anyone help??
I have a mortgage with Sainsbury's Bank, which I've had for 6 years. Wrote to them last week asking about fixed rates and additional funds (both of which I've had with them in the past) and their reply said that they had "temporarily stepped back from the mortgage market" and were unable to help. Anyone know anything about…
Need A Broker
I live in wiltshire and am looking for a Broker in my area. Can anyone recommend anyone? Thanks Georga
moving out and renting out my flat - will this affect my mortgage
Hi, I have a fixed rate mortgage but in a few months i am going to be moving out of my flat and will be renting it out. I believe I need to inform my mortgage lender of this change - is this just for their information or will they make any changes to my mortgage, might there be any cost implications? thanks, Zebedy
Most competitive 5 and 10 year fixes??
Hello. Ref my post on the House Buying and Selling board. Looking at different options as a stretched first time buyer. Salary of 42K, mortgage of around 165K over 25 years, which is the most competitive long term fixed rate mortgage out there at the moment. The house we are interested in would be a long term home, having…

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Mortgages & endowments

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