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Looking for a good deal on a mortgage
Is this one any good ? http://www.britannia.co.uk/mortgage/fixed/2_year/index.html any comments welcome
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Which Mortgage Advice
My wife and I are after some advice on which mortgage to go for. We had an endownment mortgage, which we were able to pay off before the 25 yr term was up. We have kept the endownment going to fulfil the term and has a few years to go. Our home is worth more than the amount we are looking to borrow being 160k for 10-12 yr…
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Time barred because policy taken out before 1988 FSA Act
I have been told by a broker that he will not investigate my complaint because I took the policy out 13 months prior to the April 1988 FSA Act. Is he right?
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5 year fix or 10 year fix?????
I have just bought a new house and am deliberating on how long to fix my mortgage for. It would cost £6 more a month for a 10yr fix as opposed to a 5 year fix. Whatever I do will be a gamble, as no-one can foretell the future rates. What are peoples thoughts about this, especially in the light of recent reports that…
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Mortgage advice please!
Hubby and I will be looking to buy a house in the next couple of years. We currently rent. I have had terrible credit problems which are unresolved so I won't go on the mortgage and hubby and I keep our finances very seperate. We don't have a joint account and pay for different things. We do, however, have a mortgage free…
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What's the cheapest way to add a second name to a mortgage?
I will be adding a second name to a mortgage next month, so I would like to get it on as cheap as I can. Has anyone got any info on how to get around the heafty chargers they want, the last I heard it was about £300:eek: .
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Selling an Endowment policy
Does anyone know of a search engine or site that will trawl all the endowment companies who buy policies whereby I can enter details and get all the results back to compare in one list rather than having to repeat the details individually to each company?
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Arrangement Fee
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Mortgage Advice needed please!!!!
Hi, My girlfriend and I are desperate to move away from the council estate that we currently rent a house on. We would like to buy but need serious advice about mortgages. I am working fulltime and earn 23.5K per year my girlfriend only works part-time as we have a little boy and she earns around 4k a year. I recently took…
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How do I add a name to the title deeds of my property?
Trying to care for one's son is hard.
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BTL West Brom Excl. Introducer/broker only. Where/how can I apply for it?
Hi, I have come across an exclusive Buy to Let West Bromwich product that offers £300 cashback, £349 arrangement fee and a free val (direct apps only). 3yr 1% Disc LTV 85%. I would like to apply for this product, I know a bit about mortgages as I work in collecting finance data and I need to find somewhere that I can apply…
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Endowment investment shortfall
Hi, this is my first post. Hope someone can offer advice. I bought into an endowment investment around 8-10 years ago (am at work so have to check!) and have just realised that my monthly DD payment has increased. after numerous calls to Royal London it appears the endowment is only now underperforming so they have…
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Help!!! 100% Mortgage
qwertyuiop
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Buy to let - do you have to have Mortgage protection plan?
Currently awaiting re-mortgage buy to let offer from Northern Rock for 163K. I've received a 'Friends Provident' Mortgage Protection Scheme policy for a 115K pay out on death of either myself or OH - do I have to have this? Is it a condition of the mortgage?
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Mortgage reservation fees
Recently my tracker mortgage with Nationwide came to the end of its two year period and was to revert to the standard variable rate. Looking around for alternatives I found that renewing the term with Nationwide would be quick and at a very competitive rate. In staying with Nationwide I benefited from not having to pay the…
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Please advise on remortgage
I am at present free from tie-in period infact since last September from my current lender Halifax and on their current SVR which is high. The reason I did'nt move was because I was made redundant and had no job. I intended to hunt for a better deal when I got employed. I have no CCJs or any adverse credit. I do not intent…
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Mortgage for non UK tax payer
This is my first post so thanks in advance. I'm planning on moving house and contacted my current lender the Halifax about a further mortgage. I have been working abroad for several years and am a non UK tax payer as I'm out of the country 9 months a year. When I told them this they said they couldn't give me a mortgage…
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Including the cost of life premiums in the calculations.
First of all, apologies about clumsy thread title. ;-] When the lender calculates whether or not you have been financially disadvantaged as a result of having been sold an endowment, they compare; What you would have paid with an interest only, with what you would have paid via a repayment. However, When they come to work…
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1 house, 2 mortgages, 1 tied-in for a year. Remortgage now or wait?
Very new to all this!!! I have two repayment mortgages from the same lender (Furness BS) on my house, one of which will incur early repayment charges until May 2007. Should I wait until then before considering a single remortgage to replace both these? Details as follows: Mortgage 1: £38000 @ 5.89% (£90 discharge fee)…
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Selling endowment - tax implications?
Hi I'm in the process of selling my Norwich Union endowment through a TEP broker. The offer they have quoted is a gross purchase price of approximately £13000. Will I be liable for any tax? Thanks
