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Mortgage advice.....
Hi all, Maybe someone can help me, I am currently on interest only 4.75% fixed with Halifax on an £80,000 mortgage. This % is ending this month, so I need something lined up for the 1st August, otherwise its 6.75% standard variable rate. Called Halifax to discuss switching to a repayment mortgage for the remaining term of…
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BTL...what mortgage?
Hi We're in the fortunate position to have recently paid off our mortgage;) We are now on the verge of investing in a property to let, this will be my pension as I haven't got a decent one but hubby has. A few questions: Although we have no mortgage at present and disposable income of approx. £500 a month, do we have to…
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Mortgage for spanish property?
Hi Can someone point me in the right direction to look for a mortgage to buy a spanish property? Many thanks
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Additional borrowing
Hi, We bought are 1st property 2 yrs ago, which we bought on a residential mortgage and now rent out. Nationwide (are lender) said we were ok renting it out with no change to the mortgage. Effectively keeping the benificial residential interest rates and no further deposit needed. We will also gain on CGT as it was our…
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james d info as requested
sorry bit late been busy lol my present mortgage is part and part, repayment for the 7,000,and an isa for the remaining capital of 15,000 as the mortgage is small would i be able to transfer mortgage to another broker or just opt for repayment with the halifax? and poss retain the isa as a savings plan without breaking…
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Advice for a First Time Buyer
I know there are countless threads on here about first time buyers, but each case is specific to the person who started the topic. Therefore I am asking some advice. I am 21, currently living at home and would like to move out. I have seen a property for £96,500 in a semi-new block of apartments. Upon enquiring about the…
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Hello - Need some advise
Hello, looks lke a good forum with lots of people who know there stuff! Heres my problem Right im buying bungalow with the missus. Went to a friend who is a mortgage broker. Anyway, he assured us we had no trouble in getting a mortgage. Our spec Me 21 YR Employed in IT Employment Time 14 months No bad credit Earnage (dont…
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Mortgage for Council House
Can anyone point me in the right direction for information/comparisons on the best place to get a mortgage for a council house. I know I need to get a specialist mortgage but the charges etc seem very high.
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100% mortgae rates
I am trying to find a comparism chart on the web for 100% mortgage rates. I have searched around but can only come up with sites that require me to enter all my info including phone numbers which I don't want to do. I am dealing with an FI who comes recommended and I am happy with the advice we are getting. He has given us…
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Mortgage with parents
Hi I am after some help and advice. I am looking to get a mortgage in the near future, but looking at the various calculators on lenders websites, it does not look like i can borrow enough with just my partner. My parents have said they would help, by coming on the mortgage but i cant seem to find information on who does…
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The misery of the Endowment Mortgage
The amount of misery that the Endowment Mortgage has brought to myself and other people is heart breaking. Although, Barclays (original mortgage was with the Woolwich) has agreed that my endowment was mis-sold and they are willing to amend my mortgage to a repayemnt one but only on the condition that I surrender my…
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Northern Rock Re-Mortgages - Best out there?
Hi everyone, I'm looking for remortgage deals at the moment and have spoken to a few brokers - L&C, Chasedevere, moneyextra.com and moneysupermarket.com (who apprently contract out to brokers in your local area). I posted a thread on here a few days ago asking for some advice in which I detailed all my requirements…
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Report Endowment Misselling Compensation SUCCESSES
This thread is especially to report your successes taking on the banks/insurers to get compensation for missold endowments. The aim is to show others that it is possible and it works. Please report your successes here, if possible in the format Bank/Provider: Compensation: The story: (just a few sentences)* Read the…
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LoL Mortgage Virgin
Hiya i have read some articles regarding mortgage etc mostly expert stoping us to get mortgages from banks and they are preffering Brokers. I wanna have a my own mortgages , i know nothing about how to get and when and how to contact with brokers. suppose if i like a flat or house which is on sale ! then should i contact…
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Transfering a mortgage to a re-mortgage - charges?
Hi Having pulled out of a sale and staying put, we already have a new mortgage arranged with Britannia but now require a re-mortgage instead to release some equity of our house for an extension etc. Having paid the admin and arrangement fees of £100 and £399 respectively, it appears these are not "transferable" at all to a…
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Mortgage product advice
I have just had an offer accepted on a new flat and am looking to exchange on my old property in next few weeks. New flat is £201k and I have £90k equity. I am looking for a 3 year fixed rate deal with no tie ins beyond this period. Mortgage will be 25 years - repayment. Currently I am looking at Portman - rate of 4.89%…
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Endowment Shortfall Offer
I have gone through he complaint procedure for my endowment bought in 1990 with Norwich Union. The response has been quick and efficeint - no problem there. I have just been made an offer to compensate how much i am out of pocket according to the calculations of the software they use based on the information i have given…
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endowment mis-selling advice pls.
I have been corresponding with the company that sold me a Commercial Union (now Norwich Union) endowment pol in 1994. They have asked me to complete a questionnaire to enable them to investigate my claim. However I consider that some of the questions are both personal and irrelevant. Examples: Q What are your current…
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endowment mis-selling advice pls.
I am currently in correspondence with the company that sold me a Commercial Union (now Norwich Un.) endowment pol. in 1994. They have asked me to complete a questionnaire to enable them to investigate the matter. However, the Q. contains what I consider to be some very personal and irrelevant questions. Examples: "Have you…
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Remortgaging Question
Hi My husband and I bought a home just over a year ago. At the time I was unable to apply for the mortgage with him as I had just moved to the UK and was on a visa. However, this has all changed and I am now a perm resident. We/He has an interest only mortgage of 108k approximately remaining for 24 yrs. The interest rate…
