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How do I claim against a Partnership?
First off, many thanks to Martin and all the Board contributors. First endowment shortfall is nearly sorted thanks to you. However, the second one is causing a problem and, despite extensive WWW and Board searching, I can't find the answer. Here's hoping you've got it. The IFA I bought the Friends Prov endowment from has…
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Remortgage conveyancing fees
Hi Im remortgaging my buy to let with C&G. I had to fill in a solicitors details and have contacted the solictor for a price on acting on the remortgage. It comes out at £278 ? Does this seem a lot to you ? Its broken down as follows: Conveyancing £150 VAT on above £26.25 Land reg fees for official copies £14.10 Land Reg…
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One Account - any good?
I am self-employed (as is DH) and we have our mortgage due for renewal in July. I have been looking at the oneaccount.com mortgage shrinker - and it really looks too good to be true! Does anyone have any experience with it - and do you think being self employed will make us not eligible? Thanks in advance for any help or…
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endowment
I got miss sold an endowment in 1985 and after a lot of trying to get compensation i had given up.Another company has offered to fight my case but wants £350 up front as a deposit and 16% of what i stand to gain which is around £6000 can anyone help as i don't know wether its a good thing or not Regards Chris
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RBOS CAM Alternatives
Hi, I have a RBOS CAM mortgae that serves very well. The bank are completely stonewalling and refusing to allow this mortage to be moved to new property as its discontinued. Bascially the mortage value stays similar but monthly repayments virtually double on alternatives. Any suggestions or advice on what to do? Thanks…
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Mis sold endowment
I have recently complained about the mis selling of my endowment morgage. All I seem to get is a load of questionaires and paperwork to fill in, this is very time consuming. It would just seem that the companies are just trying to put people off. The bottom line is, would anyone take out a mortgage if they thought that…
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Getting a mortgage when pregnant
Apologies if this has already been answered somewhere else in the forum. My wife and I sold our house in Jan 06 and have been renting while we look for another house. We have just discovered that she is pregnant. Do mortgage lenders take pregnancy into account when deciding how much they will lend you? The amount we wished…
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Remortgage advice please
Hi. I am hoping someone can give me some advice. I currently have my own business and I am looking to remortgage my property to free up some capital to buy a commercial premises and clear some debt. I currently have a mortgage with C&G but they won't give me the full amount. I've used an independent broker instead who has…
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Mortgage renewal time
I've had a fixed term mortgage of 5.29% with the TSB for the last couple of years and it it's coming to an end 1st July. They sent me a 'special' offer of fixed term 4.99% for 2 years. I'm sure I can do better. My mortgage is split into around £50k in Repayment and £25K in interest only (I retained my endowment payments…
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What Does A Mortgage Overall Cost For Comparison Mean?
Say I've seen a fixed rate mortgage at 5% and the overall cost for comparison at 6%, how is that overall cost worked out and what does it mean? Is this the figure I should be using to compare mortgages?
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Right to Buy Mortgages
I am considering apply for the right to buy on my council flat. However all the adverts I have seen on the TV seem to be a rip off. I really need to know find out some good company by recommendation. Also I need to know if a deposit is required and also if there is a time clause on when you can end the mortgage as we are…
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How realistic am I as a FTB?
I earn around £30k, have a deposit of approx £40 – 50k (depending if I hold back 10k for home improvements, fees etc). I am in FT steady employment I would ideally want to be looking at properties between £160 and £185k. Can I afford this price bracket? Mortgage would be Fixed rate for piece of mind, I’m not much of a…
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help please
i have just had a prices to buy my house "right to buy" .being a first time buyer don't know much really about mortgages.now i have got a company "total mortgage solutions" ringing me all the time.i think they are a broker.now they says they can sort me a mortgage out but are wanting £3,632 to sort everything out that…
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mortgage mis-selling
Just been told that I have £2,100 coming to me from a missold endowment. I need to know if I should use this to pay off part of mortgage or invest the money elsewhere. Please can anyone help.
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£100 charge to find out if I can let my morgaged property!
C&G have told me that it will cost me £100 pounds to find out if it is OK to let my property! If anyone has any insight into this (eg ways of getting around this) that would be great! I am moving to Oxford in the summer and don't want to commit to buying yet as I have only just managed to get my kids into a decent school!…
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Mortgage Buy Out - Help Please
I have put a couple of posts on this forum over the last week or so, and to cut a long story short .....I am looking to buy out my girlfriend (ex) from the property we bought together in December 2004. I have now got to the point where: - i have calculated that i can afford to take over the mortgage as an individual - i…
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Pre 1985 Endowments
I have an endowment policy that was taken out in 1983, the original advisor is no longer in business and the FSA cannot provide any assistance with the mis-selling because it commenced pre 1885. Do I have any avenues that I can persue regarding the mis-selling of this policy. The advisor was the estate agent I purchased…
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help mortgage advise needed please ......
I need some advise. I have just had my flat valued and have been offered a good price for it. The only thing i am worried about is that i have a fixed rate mortgage until 2008 does anyone have any idea what amount of fees i am likely to have to pay for paying off my mortgage. Am going to ring the mortgage company tomorrow…
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Help Needed
Hi My partner is cashing in his endowment policy with Norwich Union. He has received a letter today saying that the surrender can not be completed until he has provided "A relevant Deed of Reassignment". Sorry if I am being really stupid but can anyone please tell me what this is? Thanks very much. Fiona
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Buying property abroad mortgage dilemma
We are intending to buy an apartment in Austria. My question is this, we have sufficient equity in our home to increase our mortgage and then pay cash for the Austrian property. Would this be better than getting a mortgage on the property itself, bearing in mind that it will be rented out for some of the time?
