-
Mortgages, Credit Card and Remortgage
Hi All, My two year discount deal on my mortgage is coming to an end in March and I am starting to think about anything I can do to improve my credit history. My current mortgage was my first with my partner and when we moved in we made some big purchases on two 0% cards and have been balance transferring them since. This…
-
Flexidowment
Hi everyone, I've been reading this board for a while now and thought it time to ask some advice. Back in 1990 I took out a Scottish Ammicable Flexidowment Series 2 policy paying £50 a month. I don't think I've recieved my annual statement for this year yet (which I need to chase) but last years statement said that the…
-
Can you still get endowments or are they called something else?
I'm a bit confused and don't wish to appear thick, but can you still get endowment policies or are they called something else? We're thinking of increasing our mortgage and of course they have quoted us 2 monthly figures, one is a repayment figure and the other is interest only. Of the course the interest only is cheaper…
-
Unfair Redemption Fee
Hello, I took out a mortgage 9 months ago as a stepping stone when buying a new property and would like to change it now to invest in my property and also set my stooz pot against it. At the time, I picked it because it had a good rate and a low redemption fee. I made it clear to the broker that I only wanted a mortgage…
-
Joint mortgage question
Good morning all, I am currently trying to find the best mortgage possible for me and have come up with 5.45% fixed for 2 years, however the nationwide are offering roughly 4.79% but my income doesnt qualify on their system to get me a big enough amount. However my dad said he will do a joint mortgage with me so I qualify…
-
Mortgage Arrangement Fees - Reclaiming Unfailr Bank Charges
Hello there moneysavers, I would like to question your collective brains about my mortgage arrangement fee and whether you think that it is worthwhile/applicable to take on the mortgage lender in relation to the reclaiming unfair bank charges issue. I currently have a buy-to-let mortgage with NatWest. The two year fixed…
-
Marriage split - mortgage advice please
Hoping someone can point me in the right direction and give me some ideas as OH is useless when it comes to finance. This is the situation: Borrowings: Current mortgage £49,000 Credit cards me 1. £1,400 0% interest and 2. £5,000 on 0% deal just come to an end Credit cards him £5000 on 4.9% interest for life Car loan £4000…
-
HELP!!!!!! (1st time buyer)
Hi I'm sure the regulars on this board will have seen threads of this kind hundreds of times before but basically I am a 1st time buyer in desperate need of some kind of direction/help. Me and my gf (both 22 years old) have decided to buy my mums house which is up for sale. it is on the market for £82,000. We have a…
-
Lincoln UK
I have an endowmenmt type saving acount with the above and have been offered compensation, cash in or top up. I am debating whether it is a good fund to stick the money back in, the plan is aggressive managed 4
-
95% Mortgages
Afternoon all, I am in the process of looking for a 95% mortgage, I have got an independant adviser but he seems to be pushing a certain company all the time. Therefore i have been using the online comparison sites but I can seem to find one that lets you filter out the Higher Lending Charge for borrowing over 90%. Does…
-
A&L mortgage break - advice needed pls
To cut a long story short, I'm in the process of changing jobs, and having finished my last job (with a start date of 1/8/06 for the next one), I will not have enough money to pay my mortgage this month. I've just phoned the A&L and spoken to someone there who says I cannot take a payment holiday as I've never made any…
-
extra payment on mortgage
HELLO PLZ CAN SOMEBODY ADVISE ME. I HAVE A MORTGAGE OF £62500 OVER 25 YEARS. I PAY AROUND £380 MTH AND HAVE BEEN DOING SO SINCE 3 YEARS AGO. I WANT TO START MAKING EXTRA MONTHLY PAYMENTS TO HELP REDUCE THE TERM OF MY MORTGAGE. WHAT IS THE MINIMUM I SHD PAY TO MAKE A REAL DIFFERENCE IN RELATION TO THE TERM OF MY MORTGAGE.…
-
Best type of Mortgage for around 180K
Hello all, I currently am very lucky to have a small mortgage 60K, and a large offset. However, due to a requirement to mvoe for work, my mortgage balance is likely to go up to around £180,000, and savings will dwindle to £15,000, so an offset is clearly not an option. My plan is to not save any money for the first 3 years…
-
Mortgage for 30years
I am looking to lend £100,000 i have a property already worth £125,000 and i was looking to have a lifetime tracker (30year term on the £100,000). I have found britannia's rate of 5.10%, does anyone know if this is a good rate? thanks for looking.
-
mortgage advice
Hi i took the big leap 2 months ago and bought my first property. it was quite a bit of hassel getting the mortgage, but got one eventually from the abbey. mortgage was for £118,000.00 However, i was wondering there are alot of much better deals out there, is there any chance that i could change so early into my agreement.…
-
Getting close to a deal.
As per my thread on the other board, we've been looking at a 3 bed 1920's detached with a loft conversion giving 2 extra bedrooms. The house is absolutely spot on as far as requirements are concerned. We have been talking to the vendors and i feel fairly confident of them dropping the 259950 asking price to 240000. We have…
-
Unsecured Loan with Northern Rock's Together Mortgage
Hello everyone! I'm a complete newbie and this is my first post. I want to ask if anyone out there has experience of early repayment of their Northern Rock Together mortgage, and whether if, when paying off the mortgage, it is possible to carry on paying only the unsecured part as if it were a normal loan. Would Northern…
-
Mortgage Calculators and more
I've been loooking for a mortgage calculator to compare remortgage deals. KTF kindly forwarded me the one that he has set up but it didn't cater for my needs (sorry ktf this is not a complaint as you obviously spent a lot of time working on that). So after a google search I found this site which has numerous mortgage…
-
pay off mortgage or keep savings
I have £20.000 in savings, which is the same as i owe on my mortgage i am in a dilema as to whether to pay off the mortgage or keep my savings in case i need them.
-
SL shares
Just to let everyone know, i got my cheque this morning :beer: :j So watch out for the postman everyone, they are on their way :T
