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New to this board..need help!
Hi there, I'ma single mum with three kids aged 18, 16 and 12 and am currently working four jobs just to try and keep up with everything! All of these are part time and reasonably paid yet i'm still struggling and feeling worn out with it all. I rarely fritter money away (well that how it seems :-/) and never seem to have…
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Tax on house profit
Hi, Can any one advise on the tax situation, If you buy a house for an investment and live in it, improve it, then sell for a proffit. Is there a time scale that you have to be resident in that house not to pay tax on the sale profit? Thamk you
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Pearl Endowment - things getting worse....
Posted a few days ago re my endowment... Have received a new cashing in value from pearl. Offered £7611 last month and now after paying another £55.60in, the surrender value has increased by £29 to £7640. I am absolutley devistated and really angry. Pearl have sent out a complaint questionnaire, but this is to do with…
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had offers to buy endowment, should i sort out new mortgage before accepting?
i've had 3 had offers to buy endowment, should i sort out new mortgage before accepting? also one firm wants to put the endowment in an auction, has anybody done this and had a good result (they charge about £600 if policy sells for between £10,500 and £11500) or should i take one of the firm offers i've been sent
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Is IF only choice for offsetting with cash mini-ISAs?
I need to remortgage soon and am looking at an offset. Is Intelligent Finance the only offset provider that allows you to offset ISAs? Their fees seem way too high for me so I'd prefer not to use them. I have savings which are about 50% of the mortgage - but almost all in cash ISAs which I want to hold onto.
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quick cash-in query...
hi all! we have a badly performing endowment which we need to cash-in. I had planned to do this next april when we renew our mortgage arrangements (end of tie in) but i was wondering, can i cash the endowment in beforehand? (not sure if the mortgage lender might object!) - not worried about the life cover side of things as…
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i was not missold an endownment , apparently
i've sent in the which complaint letter to the ifa who sold me the endowment , however they have ruled that it was sold fairly .. the main reason for getting the endowment was that the ifa told us that it would either pay out early or it would pay the mortgage and have a surplus .there was was never any mention of it not…
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Help appreciated - mortgage with temp / fixed term contract?
Hi My and my boyfriend have finally saved up a deposit for our first house - but now I'm really worried as I'm only on a fixed term contract and this finishes in January 2007 (having already been renewed twice..grrrr) Ive been working at the same place for two years. Has anyone got experience of getting a mortgage on a…
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What is the best mortgage for £80,000
I am buying a property for £160,000 and require a motgage of £80,000. I have seen the Woolwich(MG685): 4.98% Fixed - Oct 31 2016 on Mortgagegenie, which shows a monthly payment of £466.74. I have been given the OK from my existing morgage company to go upto the figure of £80,000. I was looking for a fixed repayment period…
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Mortgage experts
I need some advice but its a bit different to normal mortgage advice. Can anyone that knows their stuff on mortgages and wouldn't mind helping me send me a private message please? Much appreciated. Thanks.
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An old house has been converted to an office
There is this house amongst other houses on a main road there are 1 or 2 other houses nearby also converted to businesses but they have proper shop front style window. This house is semi det and the other side is still a house. the house itself looks just like it always has normal windows and doors, it's just inside has…
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new mortgage, buy to let re m
hi all, Ok me and the mrs have been saving hard and have nearly reached our 10% deposit. I already own a flat owe 39k worth 70k, which i have my brother renting from me. It is with SPML (bad credit rating) and my redemption penalties are now zero. We want to buy a house together for 110k and will have the deposit. I will…
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Buying property in Aus
Does anyone know if any UK lenders will mortgage a property in Australia?
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Mortgage Query
Hi all, we have bought a house last November and I went for fixed rate mortagage for 2 years.Now, I have a good job opputunity elsewhere and I'm willing to relocate. I don't want to sell the property, I want to leave it to rent. I want your advice on what I have to do in this situation? Should I need to contact the lender…
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Buy to let or remortgage
Hi, we're getting ourselves totally confused and would appreciate any help anyone would be able to give. We have 3 years left on our mortgage (we are in our early forties) and thought we would buy a second property (either to do up and sell on or to rent). Is it easier/cheaper to remortgage our home or to have a mortgage…
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Remortgaging to a Buy-to let mortgage
I currently hold a mortgage with Nationwide for a property I live in. I am now moving out of this property into a house I have bought jointly with my partner. Nationwide have given me consent to rent the property under my existing mortgage with no change to the rate or anything. However, I want to remortgage as I have come…
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Endowment Complaining Question
This question is for a friend who is living with his gf. She has an endowment policy which has an estimated a shortfall upon maturity. She wants to complain but now is out of work due to long term sickness and is worried that if she makes a complaint the lender will request that she goes else where for her mortgage once…
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Mortgage Paid By DSS
A friend of mine's mother has her mortgage paid through the DSS. He's moving back in with her and wants adding onto the mortgage. How much will this affect her entitlement to this benefit? Thanks!
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Lost 'original plan document'
You should see my filing cabinet, it's got stuff in it going back years. However. I want to surrender my endowment policy and the Pru want my original plan document, I can't find it.:o Before I call India tomorrow, does anyone know how much trouble this is going to cause? I keep everything, that's probably the problem.…
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Mortgage application with £43,000 unsecured debt?
Hi everyone. I am in the process of getting a mortgage for a new property. I already own my existing property. Barclays have come back to me today asking about my debts. Basically I have £43,000 in unsecured debt. I earn around £43,000 per year and my partner £40,000. We are looking to borrow approx £340,000 although I…
