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Annoyed!!!
We bought our house last March and took out a 5 year fixed rate from Natwest, at the time we borrowed the house price plus about £6000 I think it was and they said that was all we could borrow due to dh earnings. He has now had several pay rises and earning far more. We are having a loft conversion in November and he had…
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A bit confused
Other half is in the process of getting a mortgage. He went to see his FA for the first time, they filled out a few forms and it was refused for some reason. He went back again to see the FA, who this time has filled out loads more forms than previously, and also a DD mandate....Do you think that DD form is standard? or…
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Can't seem to get any response to attempt at getting price on Endowment
Hi All - I've contacted both APMM and Surrendalink about getting a price for my endowment, but neither have responded - both say answer within a few days but nothing .... - anyone else having problems or is it just me they are not interested in ?? :confused:
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Intergenerational Mortgage !!
I dont know if anyone has seen this new type of Mortgage (to the UK anyway). Parents can now pass their Mortgage onto their kids... http://money.guardian.co.uk/news_/story/0,,1856648,00.html Do you think with the huge increase in House Prices that this type of Mortgage will be successful ?
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What if you can't re-call WHO sold you an endowment policy
My hubby and I got married 18 years ago. He was in the forces. A "consultant" came round and we signed up for an endowment policy as an investment for when he got out of the army so we had something to help with buying a house. The policy itself was with Standard Life.... all was ok till the letters started coming through…
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Temporary employment contracts + mortgages....help!
Hello, Wondering if anyone could offer us a little bit of advice please. My Husband and myself have recently relocated to Lancashire, and are renting. We have rented properties for 4.5 years, and have always paid on time. We have no adverse credit, but do have credit cards of appx £9.5k (which is heading in the right…
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Slow Broker
I put in an offer for a flat which was accepted. My broker went through all my details with me and made sure I had everything that one needed to apply for the mortgage. She called me a week after I sent here the final document to say there might be a problem with application as I don’t have an indefinite residence permit.…
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paying mortgage when out of work
hi, does anyone know what happens if you lose your job through redundcy (excuse sp) have to apply for JSA which we all know takes ages and therefor cant pay your mortgage.. can you claim anything like you would claim housing benefit if you were renting????
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paying ortgage when out of work
hi, does anyone know what happens if you lose your job through redundcy (excuse sp) have to apply for JSA which we all know takes ages and therefor cant pay your mortgage.. can you claim anything like you would claim housing benefit if you were renting????
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Paying off my mortgage
Hiya I've recently started my first mortgage, its at 4.8% and is fixed for ten years. I can pay up to £500 per month on top of my monthly repayments without incurring a penalty. If, further down the line, I have some surplus cash what would be the better of these two options? 1) To put the money in my ISA which is offering…
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morgage advice search
we are about to start the big hunt for a flat in london. already very scared but am told that a good morgage advisor will put my mind at ease. unfortunately there isn't anyone i know in london that has made the step and bought anywhere and so i have no idea who to ask for a recommendation. is it sensible to just go with…
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when is the best time to surrender endowment
i am in the process of changing to a repayment motgae and have two endowments, i am selling one and surrendering a managed funds one, i have just paid my endowments this month, so should i surrender it now or wait till just before the next payment is due?
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islamic mortgages
Has anyone ever looked at Islamic mortgages? What sort of deal do you get? Is it maybe a way forward if house prices were to drop and interest rates rise? D
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Absolute assignment?-easier way?
My ex husband retained an endowment policy in our divorce settlement,and has now discovered the policy has not officially been assigned to him.The endowment company have told me he needs to go to a solicitor to have an absolute assignment drawn up.Is there not a simpler way? I still have a copy of the consent order.Need…
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Can I re-mortgage?
We found ourselves in some financial doodoo a few months ago, owing more than we had coming in etc & have taken to route of paying smaller amounts each month (is it called an IVA, blonde moment!) We do not have any CCJs or mortgage arrears & have equity available, would lenders consider me for a new mortgage? I dont want…
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Interest Rate Poll
What interest rate are you paying at the moment (more relevant I suppose if you are on a fixed rate mortgage)? Mine is 4.59% till April 2008.
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Re-mortgaging
At the moment, I am trying to plough my way thorough the re-mortgage guide, so bear with me if the answer to my question is in there somewhere. The odds are when my fixed rate is up, I will want to re-fix my mortgage with the same lender, rather than go on their SVR. Is this still called re-mortgaging? Do I have to pay an…
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Sucessfull Endowment Claim
THANKS TO THIS WEB SITE I JUST GOT A OFFER OF £3300 FROM NORWICH UNION. IT ONLY TOOK ME 6 WEEKS. I FOLLOWED MARTINS STEPS TO CLAIM AND PRINTED MY LETTER OFF. IN LESS THAN A WEEK I HAD A QUESTIONAIRE SENT TO ME WHICH WAS PRETTY STRAIGHT FORWARD WHICH I SENT OFF WITH A PHOTOCOPY OF MY ORIGINAL ENDOWMENT OFFER. 2 WEEKS LATER…
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Interest Rates
Is there somewhere I can look at interest rates going up and down over the last few years? I know this is not an indication of what might happen in the next couple of years, but I'm already worried about my fixed rate ending in April 2008 (or is that just too daft and too far away in the future to be worrying about?).
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Mortgage paying off questions Halifax
Hi there, Hope somebody might be able to clarify this for me and advise me how to handle it. I had a repayment tracker mortgage (CLY509) with no early redemption charges from the Halifax. The mortgage was taken out end of August last year when my previous Halifax tracker mortgage discounted period came to an end. In the…
