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hsbc job interview - mtge arranger
have a job interview for mortgage arranger at hsbc tomorrow. i was just wondering whether anyone works for hsbc and can give me any tips. also what are they like to work for? sarah
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mortgage problems - what next?
Not sure whether this is posted in the right place......... if not apologies, we took out a new mortgage a short while back as we were moving house, the bank agreed to lend the difference we needed to borrow and add an existing loan into our new mortgage. THEY DIDN'T LEND US ENOUGH MONEY :eek: :eek: This has been going on…
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MPPI redundancy question
I have recently started looking to buy my first property after a few years of managing to save a big enough deposit. Sods law that this week the company i work for have announced they will be making redundancies over the coming months. Ive been looking at the MPPI policies recommended by Martin ie. Best Insurance &…
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Unresponsive broker - what next?
We switched mortgages through a broker, the money moved in September. Originally we asked for it to move at the start of August, when our 'deal' ran out. The brokers said that the way they make their money is by us signing up to their life insurance. The policy was comparable to what we already had, so we switched. We…
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Need some advice on an awkward mortgage scenario
Hi, Hopefully someone will have an idea about the options available to me with the following scenario. I currently own a property worth circa 340k, and a mortgage of 125k. I have just found an investment property that I CANNOT miss out on, that is 300k. This is a 6 bed house that has been split in to two by the current…
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refused a mortgage. still a chance?
hi im a first time user on this site im just after advise on mortgages. heres the story parents divorce and he is entitled to some money from the house. so ive gone in with my mum to re-mortgage so we can buy him out as we really dont want to have to sell. so we applied and we were refused because some of the bank…
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Surrender or wait
I'm new so aplogies if you've discussed this at length previously. I'm 18 yrs into a 25 yr Endowment mortgage and over the last 5/6 years made significant efforts to ensure our mortgage will be paid off without need of the Endowment. We have offered the Endowment for sale but no takers. From the annual statements we…
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i have bad credit score and want to remortgage
hello everybody first time user. i need some desperate advise . i currently have a mortgage of 10 years. i have 27000 left to pay and the value of my property is 100000 plus. due to mainly bad organisation i have missed some mortgage payments but always caught up with the payments over the next three - four months. i have…
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Endowment claim
Hi Some time ago now I complained to Legal & General about having been mis-sold a endowment. They offered to reimburse my premiums but I did not think this adequate compensation for the shortfall. I did not act within the, then, six month deadline within which I should have responded and when I did finally respond I was…
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Interest-only v repayment
I really want to switch to an offset mortgage but for a variety of reasons I simply don't have the time or the inclination right now to go through the whole process. So as a stop-gap I'm sticking with my current provider but changing my existing SVR interest-only to a flexible tracker that will allow me to make unlimited…
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How long should it take to get a further loan?
Quick question: Let's assume that you have a mortgage on your home. Your household income is over £40K, your mortgage is for £60K with ten years left to run, and the property is worth £250 - £300K. Now imagine you want to borrow a further £5K for legit purposes. The mortgage lender is aware of all this and has documents to…
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Yorkshire Building Society - 2yr Fixed Rate Mortgage Deal
Hi, My current mortgage provider is Halifax, I’ve come to the end of my fixed rate period with them and have been looking around at remortgaging. I used the independent financial advisors London & Country to help find another 2year fixed rate deal for me. My house is worth approx £235,000 and the amount outstanding on my…
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Overpay my mortage or invest the money??
From the sale of a property, I now have £10k spare. My current mortgage is £125k and the mortgage payments are roughly £700 a month. I'd like to reduce these payments but re-mortgaging is not an option for another 18 months due to being tied in to it. Is it better to overpay my monthly mortgage payments or invest the money…
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Mortgage interest rate
Can anyone give me some advice? When the BOE increased their base rate by .25% in Aug, my lender (The Loughborough) increased my rate by .3%. Now that the BOE have increased the base rate again by another .25% I'm worried that my lender will increase my rate by another .3%, having then added .1% extra onto my interest rate…
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Abbey mortgage
Hello Please can someone advise me on an Abbey mortgage? Am I right in that most other banks do a valuation survey before they approve the mortgage? Do Abbey do it the other way round? Do they approve the mortgage (subject to valuation), then instruct the survey? Our estate agent is surprised it is taking so long and I…
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Made me laugh...
I spotted this gem in an article about how those UK buyers who took out US linked mortgages have seen their rate go from 2.99 to 7.25, plus they are tied in for 5 or 7 years by big fees. Borrowers with Accord have complained that they now face a £10,000 charge plus a £199 exit fee. Accord has waived the £150 transfer fee.…
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name wrong on my mortgage??
Hi every one as this is my first post.:beer: I have a question about my mortgage hope some one can help?? I have a mortgage and iv noticed they the name on it is not mine well its spelt wrong only the sir name is this a legal document if not where do I stand?? :confused: Thanks Rich
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FOS in 2 minds about mis-selling endowment
Help After 2 years I have just been informed by the FOS that they can not upheld my complaint about Nottingham BS mis-selling endowment policy in 1988. The following is the given reason, “ as you cannot recall the events leading up to the sale of your SL endowment policy. In particular you have no recollection of any…
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mortgage protection payout
Hi, applied for claim against mortgage protection as I have been off sick with injury sustained at work and at the moment, despite me paying £30 to my doctor for report, they can not reach a decision as to whether they will pay. Any advice:confused:
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Endowment help
Hope you can help, we paid into an endowment policy for around 18 months, but cancelled it as we got a letter stating that it wasn't going to perform. It was through Royal & Sun Alliance. This was back in 1999/2000. I have since found the paperwork and called them to see whether there was any money but they said no. We…
