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Changing names on a mortgage
Hi All This situation has resolved itself now, so the question's mainly hypothetical for future reference: My sister wanted to move to Wales to be near her boyfriend, the two of them were keen to buy a property together, but had a bit of a chicken and egg scenario - was hard to get a job because she wasn't "local" and…
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Stuck in endowment trap - help!
Partner and I are low earners who took out a 100% mortgage and endowment policy late 1990. Have been advised yet again that there is a shortfall on the endowment - tried claiming as it was mis-sold to us (various reasons, doesn't bear going to), claim unsuccessful as we had not reacted to providers initial letter regarding…
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Who hates mortgage advisers trying to sell them insurance?
I am interested to hear what you think. Of those who have been subjected to pressure insurance sales tactics, when all you went in for was mortgage advice, how did this feel?:rolleyes:
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About to find out mortgage company will not offer me as much as I was advised
Through another internet website I have been using a Indipendant mortgage broker who waved her usual fee's. She assured me I had enough Income to get a mortgage I needed of 100,600k however last week they told her they will not take CTC into consideration and my employer faxed them a copy of my salary but marked my…
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coming to the end of a capped deal...
Hi all, iam coming to the end of my 3 year capped mortgage with the halifax. if i stay with the halifax and get a new deal, vwill they charge me arrangement fees?
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Two choices - Lie or arrears? HALIFAX
I'm a mortgage broker and need some help for a client of mine, I have never given her advice but as our kids go to school togeher she has asked me what to do. Her husband has left her and left her to pay the mortgage, it is on a repayment basis and is quite high, she can afford £400 a month which equates to the interest…
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Nationwide change the " existing mtg" deals
Nationwide have changed their approach on "existing customer deals" previouslt the same rate was avaiable to; Home purchase Remortgage & Existing customer swaps Now they will have 2 ranges 1. Home purchase 2. Remortgage Or inhouse existing customer swaps* ( not moving house) * there is a slight fee reduction on existing…
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First Time Buyer!!!!HELP!!!
Hi, I am a first time buyer. My partner and I earn over £22000 a year between us. We want a 100% mortage but we want to put all are debt into the mortage aprox £13000. Can we do this. And has anyone any idea what amount of mortage we would be likely to be offered?
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Advice re Northern Rock debacle
I'd really like some advice. Northern Rock messed up my mortgage review this year - I was approved for a 2 year fixed rate of 4.99% back in January which should have taken effect as of June, which should have meant I was paying £1,700 approx. However, somehow they stuck me on their standard Variable Rate instead. They…
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Mortgage refusal due to Pylon - Help needed
Hello, My girlfriend and I are in the process of buying our first home. Everything was going fine until we had the survey done on the property we are buying. Bristol & West have refused to lend us becasue there is a pylon near by. In the survey it states: "There is high voltage electricity supply equpment close to the…
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Halifax arrangement fees
Hello. New to chat forums, but wanted to let off steam and find some advice. My aged parents have come to the end of their mortgage scheme with the Halifax and been offered the choice of any current product - sounds great so far. The schemes on offer aren't amazing value (5.85%5 fix for 2 years) and have an arrangment fee.…
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Which mortgage providers take benefits into account?
Can anyone advise mortgage providers which will take benefits into account? My friend has been turned down by Halifax and is desperately looking to move but without much success. Are there any providers to whom we should be looking? Thanks in advance. Richard
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Skipton long term fix
Hi there Just looking at remortgaging (probably up to 150k from 120 for home improvements etec). Am ending a fixed deal with Portman and came across a 7 year 4.99 fixed rate with the Skipton. It looks good in theory - when would you have lost out with such a deal any time in the last 15 years? Any thoughts out there? Just…
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Remortgage valuation has undervalued home-should I make a fuss?
Hi there. I have applied for a remortgage with Skipton BS and they have valued my home at £7000 less than I bought it for last year. Property prices have risen in this area and I got a pretty good deal when I bought it, so I know that the valuation is wrong. The amount of the mortgage is only about a third of the…
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Mortgage advice please!
Hello I recently took a mortgage from Standard Life to buy my first home. I am now told that the first month repayment would be interest only and the regular payment (capital + interest) would be taken only from the 2nd month Is this how all mortgage works? Any advice would be most appreciated
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Help !!!
I once read somewhere about firms who specialize in trying to claim back money for u ...if they feel u have been overcharged on mortgage interest In 1985 I obtained a mortgage with The Portsmouth Building Society ...who very shortly afterwards were taken over by Cheltenham & Gloucester. C&G did not normally take on…
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Endowment churning
When a relative took out an endowment in 1990 they were persuaded to ``churn`` an existing policy.Is there any redress for this?
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Part Buy Part Rent Mortgages
Hi I am 25 and currently starting to think about buying my first property & wanted to know if anyone had had any experience with 'part buy, part rent' mortgages. Various friends have been talking about them recently, but i'm unsure whether it is a wise move. There are several such schemes in my area, but i'm not sure…
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Borrowing from overseas bank to buy in UK
Hi, I'm an Irish citizen living and working in the UK for 20+ years. Is there any reason why I can't arrange a mortgage through an Irish bank in Ireland at the Irish interest rates to buy a property in the UK? I've heard of UK citizens raising mortgages through UK banks to buy in Spain. Wouldn't this be the same thing?…
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Mortgage Comparison Website?
Greetings guys and Gals. I need some help. Can anyone tell me if there are any websites out there which would work like the mortgage comparison packs available at mortgage vendors out there? I am looking for something which would compare A-Z of all mortage providers and then let me compare the deals? I have tried the one…
