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Guide to remortgaging
Hi All , This may have cropper up before but i am a newbie, what is LIBOR and why is it not mentioned in the Guide? Thanks Dave
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a whole of market, fee free broker in SW London...any recs?
Just as the title says really... We live in Kingston/Surbiton, but we'll go anywhere SW London-ish if anyone has any recommendations? We are First time buyers and we need to go through with someone all of our finances and what we can afford to borrow. Would it be a broker we need to see or a financial advisor? Thankyou
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Helping Hand for FTBs
http://firstrung.co.uk/articles.asp?...rticlekey=2319 Start saving for that 10% deposit. Int Rates on this mortgage pretty high, but is this the start of something?
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Endowment payout - Thanks
Hi All I'm glad to say that after pestering my wife for over 1 year she finally submitted a claim for misselling of the policy and along with the help and advice from this site I'm very glad to inform you all that she (we ;) ) have received just over £4k!! Thanks again to this site and the help everyone provided. Sean…
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Buy to let - is it difficult please?
We have only 4 years to our retirement when we plan to downsize. We have seen an ideal place now and we wondered if it would be wise to buy the property to let until our retirement and then sell our current house and move to the smaller one. At that point we would have enough money from the sale of this house to pay off…
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can anyone recommend a lender?
Im making some tentative steps towards making an offer on a property and trying to work out what mortgage i can afford whilst maintaining some kind of existence!!! Im looking to borrow around 113,000 on a £145000 purchase and looking for a long(ish) fixed term deal. To get an idea of approximate costings any suggestions on…
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wftc remortgage
hello all my fixed rate deal as come to an end and im looking for a better option buti need to know which lenders accept family tax credits as an income aswell like halifax did thanks
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Pay off mortgage or invest more property?
Thought I would start a discussion and rack a few brains. Is it better to use your savings to pay off your mortgage on your home and become mortgage free OR invest that money in further property to gain a return
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Self build mortgages?
Ok to get on the ladder here will be tough as in no way. Credit history is not great plus to get a three bedroom house without moving to the other side of the country is out of my means at the moment, however have acquired some land back in Ireland and had a question about self build mortgages. The ones that pay in arrears…
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Falcon Group Questionnaire..advice please
We recently sent off a letter making a claim as we believe we were mis-sold our endowment policy with this group. They have responded by sending us a questionnaire on A4 paper which has 13 complicated questions over 8 pages!! Do we have to fill this in or is it a ploy to try to put us off? It basically covers what we…
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Paying off mortgages
Hi This is the first time I have used this site so here goes. Lots of goods ideas around. My mother has come up with an idea to help her 4 children pay off their mortgages early and I would like some views as to whether you think it would work, is the best way forward or not. Each family (total 5) would pay £50 per month,…
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Time to Sell???
Hi folks! These are the details: Endowment policy with Standard Life Sum Assured £36001 Monthly payments £71 Current Value £6146 With profits 43.4% Managed funds 56.6% Taken out 1998 Matures 2023 can I sell the wp part and surrender the mf part? if so where is the best place to go? Thanks for any and all advice Nat.
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Mortgages for foreigners...
Hello! I am having a bit of a headache at the moment with mortgage application... We are first time buyer and looking for a mortgage with 5% deposit. We made an appointement with nationwide and were very happy as they agreed to lend us £215000 with a 5 % deposit. THE PROBLEM is my husband is turkish and on a 5 years…
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Who to go to??
Basicly Got bad credit past, lost job (made redundant) and credit rating. 2 ccj's 1 fully paid. In full time permenant employment once again. on a DMP (with CCCS) all bills payments up to date! Need to remortgage! Want to get shut of DMP and OH debts baby on route! Any tips?? k.
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spliter mortgage
I have been adivised about a spliter mortgage. can you get me advice about this type of mortgage eg is it a good 1? based on the asumsion i already have a endownment mortgage.:confused:
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Stick with it or start again? (Rather long - sorry!)
Hi. I hope someone can help me. My boyfriend and I are buying our first house and have been going through the mortgage application for the last 6 weeks. Something has just come up which has thrown us and we're unsure what we should be considering next. Basically about a week or two ago, our prospective mortgage lenders…
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Mortgage Insurance
Hi peeps. Just wondering if people could advice a little here? I was wondering what is the best type of mortgage insurance to take out? Currently, on my mortgage I have at present, I have an insurance which pays out a certain sum of money tax free every month while I am off ill, taken with Bright Grey. This will kick in…
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Mortgage/Loan/Re-Mortgage
Please can some-one offer some advice as this is really stressing me and my wife out. We're 1st time buyers and have recently had an offer of 160K (we knew the seller who gave us a huge discount) accepted on a bungalow that needs a new kitchen/bathroom and redecorating. We're hoping to spend 10K on it to make it liveable…
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1st time buyer (another....)
I have done some looking on the net at how much I can borrow, just so that I have an idea and a couple of places have said upto £90,000. I am single and earn £17,300 and have so far about £16,500 saved and am aiming for £20,000 or thereabouts by Xmas and no debt. Is £90,000 realistic? or do these calculators say 'YES' and…
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buy to let cover
I have just started a buy to let mortgage. it will run over 19 years and at the end i will owe the same amount. what is the best insurance, cover or savings plan to pay off the amount in 19 years time. the amount is 72,000
