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house insurance requirement for mortage ??
hi all, the last thing i need for my mortage to go through is house insurance (entry date is this friday,2nd june). i would have got it done weeks ago,but was overseas with work. i bought insurance online yesterday on friday,but am slightly concerned that i may not have the actual certificate of insurance in time,as they…
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Comments on mortgage choice
Hi, I'm going to be approaching a whole of market broker, but have also identified the Woolwich Open Plan mortgage as a product that meets my needs. I want complete flexibility to make large overpayments with no penalty, and this seems to fit the bill - it tracks the BOE base rate and is currently 4.69%. I'd like a fixed…
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Endowment claim - financial services compensation scheme
We have a couple of endowments running which are going to fall short so I decided last week to send the letter and see if we could get some recompense. Both replies have come back today saying that as the endowment was sold by an outside financial advisor there is nothing they can do. It also goes on to say that the…
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2/3 Year Fixed Rate Mortgage
Looking for something around 4.95% or under with NO fees. Any suggestions, cheers..........
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How long do I wait for a questionnaire
I wrote to Save and Prosper over a month ago with a misselling complaint letter and still nothing has been sent back to me. How long should I wait and what do I do if nothing comes.... just write again ?
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Cashing my Policy
Hey guys. I'm in a bit mild panic I've decided to cash in the endownment policy I have, that used to be linked to the house (I changed it a couple of years ago and decided to try and keep on.) I need to send the policy back to Norwich Union (it is an old General Accident policy) The document I have found in my filing has '…
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First Time Remortgaging admin
I am about to remortgagefor the first time and am staying with my current lender C&G. It's a 2 year fix at 4.45%. I've just had the paperwork through which I have to sign and return. Can anybody tell me who can sign as a witness please? And can the same witness sign for both joint applicants? And why do I need a witness?…
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ING mortgage
Any ING insiders about on this forum? For the last few months ING literature has mentioned that they plan to launch their own morgage shortly. Any insiders know when roughly/any other info on it? (is it worth waiting for?-only ask as am due to remortgage in aug!!) Thanks to any spies on the inside who answer
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Am I too late to take out payment protection? Is it even worth taking it out?
Hi all We've recently found out that the company I work for is closing our building (with the loss of 500+ jobs) and we'll all be made redundant some time over the next 12-18 months. With the particular role I have, I should be able to stay near enough to the end. I've never bothered taking out payment protection insurance…
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Buy to Let Mortgage allowing corporate let
Hi, Does anybody know which companies offer Buy to Let Mortgages which allow letting to a company. I'm afraid I just found out too late that this is generally a restriction. Any info much appreciated. Many thanks.
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BTL mortgage from ltd company?
Problems with the house chain! Some way down the chain the FTB appears unable to secure a mortgage. We are going to lose the house we are after unless we can exchange in the next few weeks. I am tempted to buy the property at the bottom of the chain to complete the chain. Everyone else in the chain has mortgage offers and…
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Can anyone help?
I posted this on the other board and have had no response so figured i posted on wrong board Mortgage left £55,545.12 Rate recently changed to 7.11%:eek: Tied in until 3/3/08 Interest only Allowed to make over payments of 5k per year without penalty Penalty for overpayment over 5k is 6% of the over payment Penalty for…
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fixed rates
in the last 3 weeks since we first tried to remortgage but due to !!!! up by credit card company making our credit report show low score & added in us being delcined have they all gone up again first rate we found was only 4.78% then went to 4/94% but i see today& only 3 weeks later it's now 5.08% am i missing something
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What date to start a mortgage ?
A friend has advised that it's best to complete as close as possible to the end of the month, otherwise we would have to pay extra for the part month. Not really sure what this means and why it would be. Can anybody offer any suggestions as to why this might be the case. Many thanks.
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Selling my endowment - am I mad?
I have 2 endowment policies with abbey life and have been looking into selling them. I have been on a few websies and they don't seem to list Abbey Life as one of the endowments they will buy. Can anyone explain? Also, what is the best way to get the most cash for it? Thanks everyone Mental Mentor
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Do u know
anyone heard of Mortgages PLC?
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What "DO YOU" think i should do??
Please help a desperate/clueless student. Obviously you wont be familiar with my exact situation but i am wandering what everybodys advice on what i should do would be....as i am clueless. Basically, i am seriously considering getting a mortgage....but dont know if i really can, and theres lots of factors to consider. So…
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overpay or save and then remortgage ?
Hi I have a fixed mortgage 5.99 (6.5) overall .I have a couple of years to go with the fixed.My question is this .From January 07 I am intending to overpay 500 a month.Would i be better of saving the money in a good savings account an then look at remortgaging when i have a good sum saved at the end of the fixed period (@…
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YBS Offset & ISA - support needed !
I have a Yorkshire Building Society (YBS) Offset mortgage with which I am very happy. I have a moderate savings reserve to offset, mortgage wise this is the best way to go - but it means that it is not too tax effective in the long term as I forgoe my ISA allowance each year. I have requested YBS (via Feedback page on…
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Woolwich Tracker
The Woolwich are offering a tracker which is 0.19% above Barclays base rate. Barclays base rate is currently the same as the Bank of England, does anybody know if Barclays always keeps its base rate the same as the Bank of England, and are they likely to put it up once they have signed up enough new customers ?
