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Lowest and longest fixed rate
Hi, I am of the opinion that mortgage rates are going to go up and having more than one property means I am very sceptible to interest rates rises. Hence I am trying to lock in the current rates for as long as possible (at least five years and ideally ten). I am looking for a resisdential mortgage and particularly one that…
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selling a unit linked endowment?
I have a standard life unit linked endowment since about 1998 on a 22(iirc) year maturity. I cant find any info on how i can sell a unit linked endowment on the open market, only back to the institution... any advise please??
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Mortgage holidays/breaks
I'm planning to go travelling in 20 months time and saving to do so. I have looked into renting my flat out to cover the mortgage payments but the set-up costs far outweight the benefits. I have decided to take a mortgage holiday- I know that the interest will build up for the time out but I really have to do this.…
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Mortgage £2000 more than we asked for
I'm feeling a bit upset because after having recently moved, we seem to owe more money than planned. Before we moved it was a bit complicated. We had a Nationwide Mortgage which was on a fixed rate for 5 years, which ends in June 2007. As we did not want a redemption charge we went to Nationwide for our new mortgage and…
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Endowment Misselling claim failure
Following Martins advice a made a claim against Prudential regarding my endowment. They have replied saying that sorry, nothing to do with them, it was bought through a FSA. Go to them. The FSA ceased business years ago, went bankrupt etc. Tried the FSA compensation people but as it was sold to me in 1986, they can do…
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help!!endowment company no longer around to claim
hope someone can help me, don't know where to go next. made a claim for my endowment to prudential they have written back as my endowment was sold to me by an financial adviser they are not going to help me. the endowment was sold in 1986 . Phoned the FSA and the financial ombudsman and niether can help becase it was sold…
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Parent assisted mortgages
Hi I'm looking for a 95% parent assisted mortgage, i'm in Scotland and Bristol and West won't do their one in Scotland, does anyone know of other good suppliers who will cover Scotland.
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Halifax to revisit claim
In early 1988 when we wished to borrow extra money on our then Halifax repayment mortgage a condition of the extra money was that we switched to an endowment (with Std Life as Halifax were linked with them at the time.) 3 or 4 years ago (I can find the paperwork ) we put in a mis selling claim to the Halifax and after a…
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Mortgage redemption charges
This may help some. I have recently redeemed two mortgages one with the Woolwich and one with Alliance and Leicester. The charges for paying off the loans were £275 and £295. (These are final redemption charges and not early redemption charges). After several letters of complaint, and starting action via the Financial…
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Debt free but poor credit rating - can I get a mortgage?
Hello! I'd be grateful for any help with my problem. I *really* need to buy a house, I'm way way too old to be living with my parents (I won't tell you my age out of embarrassment!). Several years ago I picked up a bad credit rating due to defaulting on a number of loans/credit cards due to being unemployed. These defaults…
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how much would i get?
if i was to apply for a mortgage? i am 22, have a full time job earning a base salary of £12646. i also recieve £500 ish a month in tax credits and child benefit. house i am wanting is around £67000 please help xxx
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Really grateful for some advise please
I'd be really grateful for some advise please. The two year fixed deal on my mortgage comes to an end in September. I would like to remortgage then to another provider. I am actually working abroad for at the moment and will be for the next year at least. I would be grateful for any tips and advice people can provide on…
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Early Repayment Charges With Northern Rock Remortgage
PLEASE HELP ME!!! We took out a mortgage with Northern Rock in March 2005 on a 2-year fixed rate. However earlier this year we wanted to free up some money in the house due to having large credit card bills covering the work we had done on the house therefore increasing the value. We got an extra £12000 on the mortgage…
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offset an isa?
hi, does anyone offer an offset mortgage which will allow me to offset an isa, i.e. keep the tax free entitlement for when I pay off the mortgage? I've not seen it mentioned anywhere. thanks Tony
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RBS Sealing Fee - What was it in 2000?
I've got an RBS Flexible Choice Mortgage which doesn't have any charges to redeem. I'm about to remortgage so asked for a redemption statement. As I read this forum pretty regularly I wasn't surprised to see one of these fees on the statement for £225. I know many people have been trying to get them reduced or waived so I…
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Mortgage with Mum & Dad
Hi, I am in need of some advice regarding mortgages. I am a first time home buyer along with my parents. I want to purchase a property with both of them and for the tree of us to apply for a mortgage together. I have phoned First Direct who told me straight away that they only allow two people on their mortgage (which is a…
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Should I stay or should i go now....
1sp post so bear with me if this has been said a million times before. My fixed 5yr with Abbey is coming to an end. I was looking 2yr fixed and Abbey are quoting 6% or so. For new borrowers they offer 4.99% though they have to pay setup fees. So am thinking should I stay at the 6% rate with no setup fees or should I go…
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Best deal............Best Advisor/Broker
Looking to possibly move our interest only mortgage at end of present 2 year deal, and increase it from 40k to maybe 135k on a 450k property. Main drawback is husband will retire (on a good pension) in 12 months. Any suggestions where to go for the lowest rate? Would like to be able to make some capital repayments, but ok…
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Single person max mortgage
Can anyone advise me on the max amount a mortgage can go up to for a single person earning £21,000 pa. The only other financial expenses I have are a personal loan for £8000 currently payinging back £325 a month and my credit card which I pay about £100 per month. Also do mortgages for single people take into consideration…
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endowment time run out
Can anyone help, my endowment time has run out. I have just received a letter from Zurich stating that my time has run out and they wont be investigating my concerns. The letter does detail the time scales and the fact that they have informed me, which they have. Is there anything I can do? or am i really to late Regards
