-
One account advice - urgently required!!
Hey there, can anyone offer advice on a one account - my scenario Current mortgage with woolwich 2yr fixed rate due to finish at the end of the month, outstanding approx £85,000, only looking for 1 year as we intend to move next summer (definately - expecting twins and no room!!:eek: :eek: ) we also want to borrow £35,000…
-
Messed up with a mortgage search
I have just spent a week trying to apply for a mortgage which one of the search sites suggested. I ended up speaking to their broker who was suggesting other mortgages which weren't as good. However I trusted that somewhere in the small print it said you won't really get what you ask for and agreed that him searching for…
-
No compensation for me!
Am I the only person who couldn't even claim for compensation? I feel as if I'm losing out on 1000's because I was warned about the pitfalls. Looking at my projection I was even given a forecast for a 5% projection. I took it out in 1994. Another thing is I don't even have any records of who dealt with my endowment! It…
-
I goy £3164 thank to this site!!
Thank you Martin. I got £3164 on two policies. I would never have thought of doing it without this site. Thank you!!!! Sarah
-
A&L Overpayments
I am allowed to make over payments to my Alliance and Leicester mortgage. Does anyone know if the monthly payments stay the same and the mortgage length is reduced OR do I pay less each month and the mortgage stays the same length? Alternately will I be able to choose? Thanks in advance
-
Should I Fix now
Looking for another fix, but the buy to swap rates are pushing these rates upwards. Should I jump in now and reserve the best 2yr fix before they hit the 5% mark. Currently with NW on a 5.09 fix which runs our 31 August.
-
Mortgage Advice for 1st Time Buyer
Hi, My partner and I are looking at buying a property soon. On our combined salaries lenders would offer us around £118k - 123k. The sort of properties that we are looking at are £130k. Aside from saving a 10k deposit, what other avenues are there for us to pursue in order to get a 100% mortgage on £130k? I've used…
-
Help - am Stuck, need mortgage but bad credit
Hi i am new here, i hope I am in the right place! I was made bankrupt over 3 years ago (I have been clear of bankruptcy and in fact any debt at all since last April 05). My partner and I are stuck in a pokey 1 bed flat in London, paying £750 a month for the pleasure. I earn over £30k and my boyfriend over £20K and we…
-
Help?? Britannia BS
I saw a Mtg advisor @ Britannia BS a couple of weeks ago as my deal with the Halifax is about to end, she quoted me on the 4.64% 2yr fixed which is what I wanted. Because I hadn't decided what to go for yet she said she would call me if the product was about to be withdrawn then I could decide if I wanted to go ahead or…
-
Anyone considering an Alliance & Leicester Mortgage....
Alliance & Leicester will make changes to the following fixed rates with effect from Tuesday 16 May. · 2 year fixed rate - reverts to Standard Variable Rate at end of fixed rate period (maximum loan £250k) now 4.84% (previously 4.59%) · 2 year fixed rate - reverts to Bank Base Rate at end of fixed rate period (maximum loan…
-
Please Help, Lost the best Mortgage Calculator?
A couple of weeks ago I was using this site, particularly reading threads on overpayments and offsetting. I found a great mortgage calculator that was better than the Egg one, motley fool, etc because it let you change the amount you want to overpay/ number of years etc and then showed a table with all the months until the…
-
Advise needed - FTB
Hiya!!! I'm a FTB and finally found a house that i like.Now i need to get my mortgage sorted. What are the various charges i need to look out for before i accept a mortgage? Please advise, Regards, AA
-
turned down again
:mad: :mad: :mad: just phoned nationwide to see why they turned us down for a new mortgage after being told it was our credit check. so spoke to manager who said she couldn't tell us but in a round about way said it could be due to having too many credit cards with high limits even thou i don' use them it all adds up. i…
-
I got some compensation
A friend of mine told me about this website so not being much of a finance expert I thought I'd have a look and see what I could learn. I went straight to the section on Missold endowments and after reading how easy it was to complain, I used the letter on the Which link, sent it off, spent an hour completeing the…
-
in debt can i get mortgage
Hi can someone get a mortgage if one is in debt already. Would take out a loan once i had the house to sort out finance once and for all. New build company say they will pay 5% deposit and stamp duty which adds up to more of my debt. so will make it up in equity. Any thoughts
-
Help with remortgaging please
Hello My partner currently has a mortgage with Northern Rock. There is 55k outstanding. He has approx 25k outstanding on credit cards but he has a clean credit history. We want to remortgage with a transfer of equity to add me onto the new mortgage. However, I have had problems with my credit in the past. I currently still…
-
Should I tell my mortgage lender?
Hi all I have a mortgage with Northern Rock and I am thinking about renting out my flat. I have read all their their blurb about informing them and getting their written consent. They also say that they will probably charge a higher rate of interest and slap on an administration fee of £100. My question is this: should I…
-
Should I stay or should I go?
Remortgaged to build extension and switched to current lender. Owe £30k with 6 years left of 7 year loan. Would like to remortgage (?) again to borrow another £60k or so to help daughter buy home. Current lender is quoting me current 6.29% with extension to 18 years. Current lender has other better fixed term deals but not…
-
Royal & Sun Alliance endowment - cash-in or make "paid up"?
I have a disastrously-performing with-profits endowment policy with Royal & Sun Alliance. Having made payments of more than £22,000 into the fund since starting it in April '97 (about £200 per month), the fund was recently valued at about £8,500. I tried to obtain compensation from the Finance Ombudsman but they adjudged…
-
Increase years on Mortgage???
Not sure what to do, have mortgage with 25 years left but struggling each month what with childcare costs, bills etc., would like to get some savings put away and we need to build a small extension on the side of our babys bedroom (I know this may not seem like a good idea but the extension will be £4000 and if we move for…
