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Mortgages & endowments

Archives for July 2006

Mortgage Calculator
I know that this has most probably been covered already on this site, but I cannot locate it - I was wondering if there is a site I can go to and just put in an amount and term without putting in all your personal details, so I can get some idea of what the monthly payments would be on a mortgage I am thinking about taking…
Hello and thanks!!!
I have been lurking on this site for a few weeks now but this is my first post. Just wanted to say hello and what a great site this is, I am also a DFW and picked up loads of tips and ideas to save money. Also wanted to say thanks to Andrew Smith:D for his help in sorting out my mortage and doing what he said he would.…
OH getting a mortgage with parents - me going bankrupt affect this?
Wondered if anyone would be able to give me a quick answer to my queries please? My other half's parents want to get us into our first home, and are prepared to invest a big deposit with us having a small mortgage. However, they are fully aware of my situation (owing 46k) and wanted to know if OH and parents jointly have a…
Financial Advisors
You are often told to consult an independent financial advisor. What does it cost to consult one on average? If he/she advises you wrongly what are your rights? How do you know you can trust them? I'm thinking of getting rid of an endowment and paying off my small mortgage having worked out that there will not be much gain…
Endowment help!? please
Hi All, I have just been speaking to my parents and realised that they are in the process of making a claim. They did their claim through a company called FS Complaint Handling, I cannot find much info on them via the net, other than their swindon address and phone number. Any way my parents company is Pearl, they have…
BTL Mortgage Queries
Three quickies: Can you get BTL mortgages where you can borrow more than 90% of the property value? If so where from? If you take out a BTL mortgage, you seem to need to get the rental potential of the intended purchase property checked, and then it must be at least 125%/130% of the monthly mortgage payment. Does this…
New Application, new home
Hiya, to get it over with: great site, long time reader of the newsletter, first time poster. done. Ok, the problem: I am just on the edge of becoming un-employed. I used to earn 22.5K. My wife earns 30K. We currently pay approx £800 on a 150K mortgage. We will still be able to live and survive on just her wages, BUT she…
ADW Home Finance
Just had a call from them, offering to set up a meeting to look at the mortgage market, see if they can save us money etc etc. They are not whole of market - they tried to claim "independent" but they do go from a panel. As for fees, the initial consultation is free, there is a fee to pay if we decide to take up one of…
Standard Life endowment - is it worth trying to make a claim still?
Moved into present house 17th May 1988, paid first instalment on Standard Life endowment 20th April 1988. Cashed in previous endowment from Coventry BS on solicitors advice, who's mortgage manager sold us S.Life endowment. Told that S.Life would pay out full £41,000 mortgage plus £19,000 lump sum. Hubs wrote to solicitors…
Good solicitors in birmingham?
hey everyone, Ive just been told its time for me to arrange the mortgage and solicitors for september, can anyone reccomend any Solicitors in birmingham? Preferably those who are experienced with shared ownership properties? They dont strictly have to be in birmingham, just as long as they are cheap and reliable! Thanks…
how much mortgage can we get??
where are the best places to look online to work out how much mortgage we could get? (i know it will be a pathetic amount in comparison to property prices!!! lol :wall:) fortunately i have substantial savings to invest (deposit) and my GF is already on the property ladder having bought a flat a year ago. does the above…
Advice Needed
Hello I have posted this on a couple of other forums but i have been advised i mya get more of a reply here - I am sure probably somewhere this question or something similar may of been asked / answered but i hope somebody could help me clarify things. Around 18months ago i got myself into a right mess through a business…
Anyone used Bradford and Bingley as a broker?
We have been for a consultation with Bradford and Bingley a while ago (didn't buy a house at that point) and now we are looking to definitely go ahead with a mortgage. Anyone used B&B as a broker, and would you recommend them, or should we try finding an independent broker locally?
My mortgage adviser called me...
Following on from my thread about our declined mortgage application with the Newbury. I racked my brains to uncover what the 'undisclosed credit' was. I came up with an old credit agreement which ended in June but showed on my bank statements. The Newbury say that wasn't it. That it's a 4-figure sum. I now think it's to do…
Would we be able to mortgage again?
Hi We are thinking of downsizing as early this year hubby had an accident with his right hand. As his job is a very heavy manual one he if finding his hand is painful so is thinking of finding a lighter job with less hours, possibly part time. I am unable to work and we have a young son so get CTC and a small amount of…
100% Mortgage or shared ownership?
Made up our mind last night that we need to finally get on the property ladder.:eek: Here is our current situation: We are renting in Berkshire for £800pcm excluding bills. We have a 2 bed flat with off street parking for that price. The OH is classified as a key-worker but we have no savings at present. So we are posed…
IFA's and HSBC Mortgages
I nipped into HSBC this morning to book a preliminary appointment to find out whether or not we could get a mortgage with them and what they could offer us (we currently bank with them). I was informed that HSBC do not offer commission to IFA's, so they have no incentive to send people to HSBC, hence HSBC mortgages often…
Warwick finance - anyone know?
Has anyone ever heard of or used this mortgage company? They called me about a month ago regarding remortgaging my flat and have been stalking me ever since. They claim that I can remortgage my flat for £42000 which would pay off all my debt and leave me about 300 per month better off. This sounds fine until they mention…
Can I get a mortgage in a brand new job?
My husband and I recently had a mortgage application accepted but unfortunately the house we were buying was taken off the market as the sellers were unable to find anywhere to move to. We now have another house to buy (offer accepted) but we have to start the mortgage process all over again as it was more than 3 months…
First time buyers no deposit - advice please.
Hello I know this is similar to aidy’s question but advice would be very much appreciated. My partner and I earn good wages, me 28k and him 45k and have both been in stable employment for 8 years. We are looking to get onto the property ladder sooner rather then later. As with aidy we have some debts each (about 15k…

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Mortgages & endowments

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