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council right to buy
hi everyone, I'm hoping someone out there can help me I'm having such a game trying to buy our council house. To cut a long story short we applied to buy our house from the council 16 months ago, first we went to c&g who waited til last min to tell us they weren't happy with the deeds to postponment ( terms from council as…
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Vendor gifted deposit.
I have looking on the net, and come across something called a vendor gifted deposit(not on a new build mind you). What is this, and how does it work? No if someone is selling their house at 130k, and you get an offer accepted for say 120k, is the difference between the two figures the deposit? And does any money actually…
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re mortgage sub prime
hi all, i currently have a mortgage with SPML and have had for 3 years, my current deal runs out on august 14th and am paying about 8% interest(i only owe 39k and payments are 350 a month arggggg). i would like to know the best sub prime deals i could get to re mortgage, i dont want any extra cash just a deal for a couple…
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Remortgaging and releasing money
We are coming up to the the end of our 3 year period with HSBC, so we need to remortgage (currently we have a fixed mortgage and a variable mortgage and we'd like to combine them into a fixed) At the moment the house is going through a renovation, we are putting on a big extension therefore we were wondering whether we…
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Thinking of a Remortage
Hi Folks Quick query - Can anyone tell me if they have had any dealings with "I Group" (GE Money). They have offered me a 3 year fixed rate mortgage @ 5.240% with a £1000 broker fee. Does that seem like a fair deal. Any advice would be most welcome.
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Standard Life Endowment Help Again!!
Hi everyone, Some of you may have seem my thread on my standard life endowment policy that I posted some time ago now. http://forums.moneysavingexpert.com/showthread.html?t=222429 I was confused about whether to keep or sell the policy and got some conflicting advice from some of the experts in this field. As Standard Life…
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Remortgage help required please
Hi, i am new to this forum and i hope this is the right place to post. Myself and my partner are currently paying a capital repayment mortgage tied in for 3 years with Northern Rock. Currently we are approaching our third year and about to finish our introductory 2 year period and will begin paying SVr for us approx…
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Endowment Headache
Hi I'm new to this site but i need help with my endowment!! I have got a pearl endowment which started in 1997 (£30000) as this was recommended at the time. 4 years later we moved house and switched to a repayment mortgage keeping the endowment as a savings plan. I am know looking at cashing in my endowment for much needed…
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Possibility of a mortgage for a 55 year old?
I am a 55 year old divorced mother of two teenage students. I have recently set up my own business as a self employed therapist and currently earn in the region of £20,000 per annum (although I expect this figure to increase over the coming year). I am paying rent of £430 per month and room hire of aproximately £200 per…
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Mortgage paying advice please!!
My first post and two big questions!! At the moment we're trying to do our best to pay off the mortgage. Our monthly payments are £230 and we (sort of) manage to save £220 a month. When we have £500 saved up we send a cheque off to the mortgage company as a capital payment, we also ask to keep our monthly payments the same…
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How do overpayments work?
I have what I think is called a flexible mortgage where I can make overpayments (NOT a offset mortgage). However, my mortgage advisor confused me and said that if I pay over a certain amount per year, it's classed as repayment? If I overpay in one year, is the same percentage used again to see if I have repayed the…
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Effect of Stoozing on Mortgage applications
What effect would Stoozing have on: a) Residential Mortgage Applications b) BTL Mortgage Applications
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changed my mortgage payment date and its cost me £152 quid!
i changed my payment date to 10 days later this month due top being a bit strapped for cash and rather than it being returned and incurring charges i thought stuff it il move it, so thats all been sorted but i have to pay an extra £152 quid in % charges is tehre any way around this because its just going to skint me out…
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New mortgage hunt.....
Hi guys...... Stuck on what to do with my mortgage so thought I would ask here...... I have a mortgage for £139,000 on a property recently valued at £230,000. Just finished a mortgage term with West Bromwich BS so looking for a new ideally fixed for 12-24 months) deal. I have spoken to Nat West and they have offered fixed…
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Mortgage advice needed -
Hi, My mortgage 'deal' ends in December. It's currently interest only (was a 3 year fixed deal while we got on our feet) Anyway, laying the bare bones of it.... my house is worth 190k I have 130k mortgage We plan to move in the next 4 years (prefer 2 years) I was told by a pal the other week that as I planned to move home,…
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How much for a £150K mortgage?
Hi, I'm looking at remortgaging for 150K interest only in the coming months. I'm going to be looking at a fixed deal I think, although I am attracted to variable rates, I don't like the idea of them rising too much as I am on a budget. Does anyone know how much I'd expect to pay per month on 150K interest only on a…
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buying G/F's sisters half of mortgage - moving in with g/f
hi there i am in a situation where i am thinking of moving in with my girlfriend, she shares a property with her sister which may be in the region of £180k. Her sister is moving to a place with her boyfriend and so my g/f was considering moving in with me but i came up with the idea of buying her sisters half and moving in…
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To cash in or not ?
Can someone give me some advice please ? I have an endowment policy with Friends Provident that was supposed to cover our £60,000 mortgage and give the same lump sum at the end of the term. Because of continuing problems with this policy we have used my redundancy money to pay the bulk of the mortgage off but have approx…
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Completion Fees
Hi all, After some advise on where I stand with completion fees AFTER completion. Some 18 months ago i took out a new mortgage with my wife on a new property. I already had a mortgage but i was not allowed to port it across at the time. There was a redemtion fee applicable, but with some negotiation from my mortgage…
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Norwich Union Mortgage Endowment complaint
I am wanting to write a letter of complaint to Norwich Union re ME. it is totally nowhere near estimated value i was initially told. I received a letter saying the figure is going to shorter than expected. Anybody else in a similar predicament? What options did you take? Thanks
