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I've been naughty and need advice !!
Hi Basically I got my mortgage by "Self Assessment" ie I was advised to lie about my income which at time tought great as long as I get the house. But now the 2 year offer is up and my payments are going to go up and I would like to switch . Will the new companys ask about my old mortgage ? I have changed employer and am…
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Help needed please
Hi, I need some advice regarding my mortgage. I discovered last year, after splitting up with husband, that there had been no payments made on our joint mortgage for 9 years! During this time, apart from apparently sending 3 letters, the Building Society had made no attempt to inform me of this situation and as a…
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How does the APR% work on a mortgage
OK, I can imagine this is a very simple question for most people on the board to answer, I am a newbie and a first time buyer. I was wondering how the APR percentage works exactly?? as the mortgage is being paid off monthly when is the % incurred? at the end of every year? or as you go along? e.g if it was 5.5%APR then…
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Alba Life
Does anyone know anything about the above company? my husband has recieved a letter from them asking him to make contact about a possible unclaimed policy. He thinks he replied to something like this before and heard nothing. I dont know if its a possible way of contacting him by another party as he has had problems with…
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Which Mortgage
Can anyone provide some advice on which mortgage would be best suited to me. Property value £150k. Need £44k mortgage over 10 years. Thanks in advance.
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is 'Your Move' advice any good? and whole of market?
Hello, My sister recommend we go and see someone at 'Your Move' as they look at the whole of the market. Is this correct? I am in the process of trying to find a whole of market fee free broker, but my sister says they are pretty good, and she works for halifax bank. Does anyone else have any recommendations for them, as…
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Self certification advice desperately needed!
Hi, My boyfriend and I are currently processing a mortgage through Chelsea BS but after 6 weeks they have decided to view my boyfriend as being self employed, even though he is salaried and legally is not. Anyway - Chelsea have been very slow so far and my boyfriend doesn't have last years accounts made up yet. By the time…
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Mandrake Associates - Endowment Complaint Delay
Hi there, I've had 2 delay letters from Mandrake regarding my Endowment complaint and they say it could be "well into the year" before they can get back to me due to a huge backlog. Has anyone had any similar experience with this firm ? Thanks.
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Free whole market broker near Staines?
Hello I am looking for a free whole market broker near staines... and I can t find any! please help. Sandra:confused:
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Help Please! Payment protection
Hi. I'm currently due to complete on a flat 1st Aug. I have been looking at what type of protection to take out for my mortgage/income if anything should happen to me. I'm looking at Combined ASU with AntInsurance which can cover me for £1000 per month (£21 per month premium) which will cover income payment as well as my…
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Does anyone know Barclays bank base rate?
Is it 5.75% ?
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Fixed Rate or not Fixed Rate
Hi Guys, I'm new to this soz, but im after a little advice. My current mortgage is in three the bits. (all with the C & G) The original morgage of £47'016.98 (26yrs) (5.89% Fixed till June 08) a remortgage of £20'600.22 (26yrs) (5.89% Fixed till June 08) then another remortage of £25'642.96 The last remortage is now up for…
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To cash in or leave a paid up policy
I have spent this morning trying to find out if a paid up endowment policy I have with Phoenix is better now sitting in a building society or leaving it where it is. Apparently it is linked to the stock exchange unit linked???? They cant tell me on the phone what it is worth, nor are they able to say whether its worth more…
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Informing Building Society
Hello Everyone, I am selling my house and paying off my mortgage with the proceeds. When am I obliged legally to inform the lender of the sale? Do I tell them at the start of the process, or when I have had an offer? Or do I wait until I have the money in the bank? My mortgage is a Together mortgage from the Northern Rock.…
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100% mortgage best rates and income multipliers
Hi, I was wondering if people had any ideas on what a good rate for a 100% mortgage would be? Combined income £70,000 Amount wanted to borrow £235,000 We have had an offer in principle from Northern Rock and the rate is 5.99%, we got this offer through a broker (we were initially looking at borrowing a bit more) but my…
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Should I complain?
Should I complain? I have recently decided to get onto the “property ladder” and buy my first home so a mate of mine recommended a Mortgage Broker. I have a deposit of £12,500 thanks to my dad; he must want rid of me. I was also made redundant back in March and although I got a new job within a week I went without a wage…
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Deferring Interest Only Mortgage Payment?
My mortgage is interest only. I work full time and my wife is on extended maternity leave, i.e. it's unpaid. I'm doing quite a lot of overtime this month and the next 2 or 3 months too, all to compensate for the loss of one wage and in an attempt to clear the overdraft on our joint account and my sole account. But it's…
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Interest-only mortgage crisis looms report
Interesting read in yesterday's Guardian in case you haven't seen it - http://money.guardian.co.uk/property/mortgages/story/0,,1825967,00.html 'Research by the Council of Mortgage Lenders shows that 200,000 borrowers with interest-only mortgages failed to set up a repayment vehicle, and more than 60,000 of those are…
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First Time Buyer Query
My son is looking to buy a house for approx £225,000. He may look to move in 3-5 years to set up with his girlfriend. He has saved £35,000, though would like to keep £10,000 for improvements to the house. Has anyone got any suggestions as to the best type of mortgage for him ? He'd ideally like a mortgage with no…
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Interest Rate & Mortgage
Hi I am struggling which mortgage would be best for my needs. Should I go for standard variable rate, fixed, discounted rate mortgae or tracker rate mortgage. I only need to borrow in the region of 60k to 90k. Another question is will interest rate go up or down within next 2 years? I would be grateful to hear from your…
