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One Acount Mortgages
Hi first of all apologies if this looks all wrong. First time user and all that y'know. Anyway,could someone shed a little light on the "One Acount" mortgages. I've just checked out their web site oneaccount.com and gone onto their mortgage shrinker. I know they say if it looks too good to be true then it probably is, but…
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Halifax Redemption Administration fee
Hi, I am looking for some advice. I have had a mortgage with the Leeds (which turned into the Halifax) since 1992. Recently came off a fixed rate, and - as has been mentioned here many times, the Halifax act like that Nationwide advert when you visit them to try and do a deal. It just so happens that I bank with First…
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Fixed rate mortgage offer expiring
I had a fixed rate mortgage agreed back in May and it is due to expire mid August.The rate was withdrawn about a week after I had it agreed and now the rates are higher. We won't be completing til beginning Sept now and I wonder if anyone has had this before and will the B/soc make me pay the reservation fee again and have…
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Mortgage Questions?
i have 3 questions regarding morgages as i really know nothing about it . i would appreciate it if some body can help me out. 1) what would be the minimum salary to get a mortgage , can you provide me any material to read regarding that and Does they do credit check for approving mortgage.? 2) if i get a mortgage, can i…
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What to do?
Hi guys and gals, Been reading the site for a while and learnt a bit but now in need of a little bit of advice if available. Got a £102K mortgage with nineteen years to run. Moved house last year and instead of getting the mortgage lumped together, I noticed when the statements came that the Woolwich have kept my original…
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Help-mortgage tie in so need to change
We are just coming to the end of our first year of the mortgage on our new house (started last august) and we have had a letter letting us know what the new rate is. Our mortgage will go from 430 a month to 620 :eek: we knew when we took it out that there was a tie in period following the disount, but at the time natwest…
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Endowment Mis-Selling Complaint - Advice Required
Contacted the company who I believe sold me my endowment (after sending them my Complaints letter compiled from the Letter Generator). The company got back to me today advising that they had established that they were not the selling agents???? - If I walked into their office and they organised both my endowments does that…
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Turned down for re-mortgage
I'd like some advice please!!! We currently have a mortgage of £95,000 with Halifax, and are looking to clear off a second charge we have on our property with Black Horse - round about £8,000. We've also decided to clear off 2 other credit commitments with the re-mortgage totaling £4000. We are also looking to do some…
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Urgent advice required! Sister-in-law threatened with repossesion.
My Sister-in-law has recently struggled with money due to a divorce. She has put her house up for sale (2-3 weeks ago) to clear all the debts, but the last payment bounced and the mortgatge company (EMX(?)) has phoned her and threatened to reposses her house next weekend if she does not make a payment now. She has never…
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Self Employed Mortgage mine field
I started up my own business 5 months ago and I'm looking to sell my current home and move. The only problem is most mortgage lenders are being a right pain, mainly due to the fact that I don't have 3 years accounts to show. Has anyone else got previous experience of this? And can anyone recommend a mortgage lender who…
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Charges!
In May we took out an interest only mortgage with GMAC_RFC, with the intention of paying lump sum repayments when our finances allowed us to. We could pay upto 25% of the balance each year with no penalties. We also wanted to keep our monthly payments the same, hopefully reducing the time of our mortgage. GMAC then sold…
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Endowment misselling claim with no mortgage
We are in the lucky position of having paid off our mortgage. However, we are still paying three endowment policies, one of which is pre 1988, and another small one which is doing OK. There is one though which we were missold by Halifax Building society. Is it possible to put in a claim for misselling if you have already…
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Help re interest only mortgage
Hi sorry if this seems to be a recurring question have searched thread but am still confused, me and partner are currently renting but do want to buy, we are thinking of getting an interest only mortgage, fixed rate for possibly 5 years then switching to a repayment mortgage when we can afford the higher repayments, (once…
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Guardian in touch again re;misselling
3yrs ago my complaint for Endowment misselling was turned down and to be honest I was so fed up with It I just shoved it all in a box and forgot about it.. today I got a letter from Guardian telling me that as part of their ongoing commitment to fair and affective complaints procedure they are reviewing the original…
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Another First Time Remortgage
We are also coming up to the end of our 3 year discount tracker mortgage with Nationwide BS end of August We have a repayment mortgage for £86,219k for 25 years and now owe about £84,178 the house is now worth £250,000k. We pay £496.45pcm (at 4.59% having checked our paperwork) We'd love to reduce our monthly repayment…
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Anyone heard of AToM Rent to Buy Mortgage?
Spotted a small article in the Metro mag two days ago so I had a quick look at the ATOM website I think it's a product to be launched but it might be available already, I'm not sure This product has been specifically designed for First Time Buyers who are able to prove that they have been successfully renting for the last…
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Guardian in touch again re;misselling
3yrs ago my complaint for Endowment misselling was turned down and to be honest I was so fed up with It I just shoved it all in a box and forgot about it.. today I got a letter from Guardian telling me that as part of their ongoing commitment to fair and affective complaints procedure they are reviewing the original…
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Looking for mortgate in a few years... building credit file?
I'm new to this country. My spouse has just been declared bankruptcy. I'm feeling optimistic and looking forward to a better financial future. Specifically, I'm hoping to buy a home in 5 years or so. I'm not entirely sure how it works, here, but I do think I may be the primary person responsible for getting the mortgage. I…
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Endowment mis-selling from friend.
Here's a sticky one for everyone. We were sold an endowment in 1995, albeit a small one for £30K, from a friend of ours who helped us get a mortgage also as I had had financial problems in the past with fairly sizeable debts and a repossesion on my previous house. When the inevitable letter came advising us of the…
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Century Life Endowment Funds - Anyone?
We have a £10K unit linked top-up endowment policy with Century Life [originally with Municipal Life before they went down the tubes!] which I would probably cash in but for the life insurance aspect, as it looks as if it will have a woeful shortfall. Anyway, at least for now, we're going to keep it and wondered if anyone…
