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Best Fixed Rate Available?
Hi to all the experts. Hope someone can help.We are looking to remortgage soon.What is the best fixed rate out there at the moment? Looking for 5 years +.Any help would be most appreciated.
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Mortgage Valuations
I am an Independent Mortgage Adviser with nearly 10 years industry experiance. I write this post as i am certain many of you feel disgusted with the high costs of "basic" valuations. The cost of this type of valuation although a lot cheaper than say a homebuyers or a full structural has been rising considerably in the past…
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About Shared Ownership Mortageges...
..Does the lender dictate the portion of the shares or can I decide how much I would like to own and share?Also at a future date can the lenders share be bought out? Any links to Shared ownership mortgages would be greatly appreciated.
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A mortgage savvy person needed please!
I have £10k saved for a deposit and the flats I've been looking at average about £180k. Does anyone have a rough idea as to how much that might cost me each month?
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Unemployed - mortgage term up for renewal
Hi people, I was made redundant a few months ago and still owe about 50k on my mortgage. I received a decent payout and can afford to keep paying the mortgage for as long as it takes really and there is plenty of scope for lodgers if needs dictate. However my mortgage term is coming up for renewal in a few months and I was…
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i have a mortgage arranged 4 one purchase which fell through can i use it on another
Hi there i was purchasing a house for £165000 but 4 days before exchange the vendor decided to not sell her house. i have now found another property but the price is £172500. will the mortgage company be able to amend my previous mortgage arrangement or do i have to go back to mortgage application stage again?
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We need to switch our mortgage
We're just coming to the end of our fixed term mortgage period and our monthly payments are set to jump by £30, so what do we do? Is it worth 'haggling' with our current lender for a new and better rate, or do we start afresh with someone else :confused: The only problem I foresee is that DH started a new job just last…
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Short term, but large amount. Bridging Loan? Mortgage?
Hi folks, First post on here, so be gentle! The situation is that my partner and I are buying a home together, after years of having seperate homes. My partner has sold her house, and has approx. £145k in ready cash. Mine is not on the market, but would fetch about £160-£180k, plus I have approx £25k in savings. There is a…
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Halifax mortgage and C. card
I know this might seem like a stupid question. I have a halifax mortgage and halifax cashback credit card. Doesn anyone know if i can put my mortgage repayments onto my credit card, thus gaining the 0.5% cashback at the end of the year? Just curious. Stevey
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Good idea to change jobs when looking for a house?
Is it a good idea to change jobs if I am in the process of househunting and therefore getting a new mortgage after that? Thanks in advance.
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Is This Bad Advice?
A while ago I posted a message on the forum about our mortgage. I was wondering if it was a viable option to take out a personal loan to pay off the outstanding sum of £16,500 (this was the amount of the initial loan). The loan was taken out in 1988 and has 7 years to run. The payments made have simply been paying the…
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Please help! Scared. Need advice.
Hello, I own half a house with a Mortgage on it, in my name and my ex-husbands. We seperated well over a year ago and he is living in the house, as I moved to my Mums then away to be with a new boyfriend. My ex is buying a new place, he's just gotten confirmation from the mortgage company to buy, but here's where is gets…
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Mortgage company charges
My buildings and contents insurance is up for renewal on the 1st of december. I received a letter from my mortgage company SPML, telling me it was up for renewal (which we allready knew about),and at the bottom of the letter it said this: Please note that a charge OF £25.00 will be applied to your mortgage account on…
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endowment mis-selling claim - outcome
I bought an endowment policy - commenced 14 Jan 1994 and, due to its poor performance, surrendered it on 10/07/2003. I have complained that the pol was mis-sold to me, and following months of correspondence have received a letter outlining the outcome. Basically, my complaint has been upheld, but they "have completed the…
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should we still buy the house?
Hello Hope you can help me clear my thoughts. We are in the process of buying a new house (1970's semi, within an estate). There is a covenant in the title dees which say we may need to pay some money to the church if they need a new chancel. We have put an indemnity in place up to the value of the house, however the…
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Need to find a Broker fast - Help!
I am due to give birth in a few weeks time, our fixed rate mortgage deal as far as I understood, didn't run out till May as we had taken a 2 year Fixed Rate and we moved on May 1st so thought I had a few months after babies arrival to look at a new re-mortgage. I would be about to go back to work etc etc It turns out I was…
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Offset mortgage maths ?
I have an offset mortgage of approx £100,000. based on the average offset interest rate what 'offset savings' would be required to make this a better deal over say a fixed mortgage. I have been offered a fixed deal (3 yrs) on my offset mortgage of 5.5%, and have approx 5k savings, am I overpaying for my mortgage your…
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Mortgage basics/faq?
Hi, first post and all that. I'm going to be getting my first mortgage in a few months, but to be honest I know very, very little about them. Is there a mortgage basics or faq type post anywhere that can let me know they different types and their benifits etc? I'm reading through the pdf from the annoouncement at the top…
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Need Urgent Help!
We have an endowment from 1986 bought through broker who has ceased trading, Norwich Union are not interested either. FSACH have advised us to seek legal help as apparently there is nothing else that we can do. You are all my last resort. Hope someone can help it just seems so unfair.
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Woolwich Help
I have looked at the 10 year Woolwich mortgage and it suits my needs. I spoke with a friend today who is a solicitor and she told me that in her experience (15 years+) Woolwich are a nightmare to deal with and take time to get their mortgage offer out. Does anyone on here have any experience of this? I did a search and…
