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Yorkshire BS Withdrawing its Products
I have just heard that YBS is withdrawing its "best-buy" 4.74% two-year fixed rate and 4.89% three-year fixed rate next Tuesday.
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Unit Linked Endowment Policy
Hi There Just joined this chat room and need some advise from you all there. I have a unit linked policy with Barclays Life Assurance Company Start date: 26 July 1993 Maturity: 26 July 2018 Sum assured: £62558.00 Surrender value on 24/11/06 is £20,906.09 Monthly premium £144.31 which goes up by £4.37 each year until max…
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Self Cert 95% LTV?
Have lenders starting doing Self Cert on a 95% LTV?
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Mortgage for Italian Property?
I am planning on buying a property in Italy for around Euros 200k to 250k. To fund the purchase I am selling a business but have allowed up to 3 years to achieve this as it can take time although I may achieve a much quicker sale. In the meantime I want to proceed with the property purchase and as the business is…
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Diabetes and Endowment policy
Relative has just been diagnosed with type 2 diabetes and has been given a course of tablets to control it. He has an endowment policy which was taken out in 1990. Does he have to inform them of his diabetes? was looking at this website…
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Is This Norwich Union Deception re Endowment Compensation?
I'm sure we are not alone in our predicament. Any others in the know or in a similar situation, I would appreciate their feedback. Brief history: * 1992 approached Leeds Permanent Building Society (now taken over by the Halifax) to take out a 25 year repayment mortgage on our first house. We were persuaded to get an…
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Mortgage for second property overseas
Hi, I have a mortgage of around 45,000 and the property is worth around 150,000....totalling equity of around £100000. I have a fixed rate mortgage that is about to run out in March and will need to find a better deal to fulfill my plans and ambitions. When I do this I have considered borrowing to the full value of my…
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northern rock taking more money than they should
i have just completed on a new home and redeemed my existing mortgage with northern rock and took up another mortgage again with them. the final redemption figure was higher than i was led to believe (did some very rough calcs on what i should have left after sale and paying fee's etc) and upon calling them it turns out i…
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Have received compensation - what to do with endowment ?
Here's hoping someone can clear the fog for me, I know other people have asked for advice but none of the other posts seem to have the same situation.:confused: Endowment plan with Winterthur Life taken out in July 1995 , target amount £29,625. Monthly premium of £54.14 Mortgage paid off in 2003 but I kept endowment as I…
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FTB with fruity credit history seeks advice about Mortgage Application
Good evening Forgive me if this question has been answered before - I have done a fairly thorough search and couldn't get any joy. Here's the background: I had a fairly fruity credit history (no CCJs or bankruptcies, but a fair few defaults from 2001) - however thanks to my friends at Westcot Credit Services (judging by…
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Trying to find best deal to pay off Mortgage in 5-7 years
My current mortgage is approx £32k - in 3 parts. The last 2 parts are fixed repayments untill 2010 then standard rates after The first section is approx £17500 - has no early repayment charges attached and has approx 16 years to run, its a repayment mortgage at 5.39% variable My aim is to clear this first section within 5…
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Flying Freeholds
Anyone know any lenders that will lend on a flying freehold ??
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Endowment Fees and Charges
I seem to remember the advice was to start a new thread if advice were needed so I hope this is the correct method of posting to the site : It's a pity I didn't find this excellent site before I discovered the CA website. I've trawled through most of the articles and posts in the past 72 hours and learnt more about…
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Remortgage - Long term fixed rate advice
Hi, My current mortgage offer(fixed rate tracker) with Nationwide is coming to an end (31.12.06). I'm tempted to go with the Nationwide 10year fixed rate @ 5.18% with an arrangement fee of £399. Mortgage amount: £29394 repayment £25000 Interest only 19year 8 months to go 10year fixed @ 5.18% = £306.75 (also paying…
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Should i cash in endowment
I have recently been offered compensation for being missold an endowment policy from Norwich Union. I was just wondering whether it would be advisable to cash in on the endowment?
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Self Cert criteria for Mortgages ?
I already have a self cert mortgage with Mortgage express of £125k which i took out just over a year ago. Business has improved and have a new addition to the family so we were thinking of upsizing and moving to a better location. What i want to know is what are the criteria for self certification type mortgages, i.e. I…
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Stampt duty and additional payments
I have provisonally accepted a £250k offer, but aggreed that the buyer should pay 12.5K as an 'additional' (to avoid the dredded 3%). How can I get them to transfer money so that evryone is happy and it doesnt look dodgy. Thamks
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Remortgaging
I am looking for advice how long before fixed rate period runs out and you are free to move your mortgage should you begin to look for new deal, basically how long is an aip usually valid for is it 3 months?
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End of Mortgage Admin Charge
We finish paying our mortgage in January and have just had a letter from the lender telling us that a fee of £225 will be payable on the last day for administration - that seems incredibly high - is this normal? Rang the lender and they said that it was an average fee, some banks charge more, some less. I dont suppose…
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early payment charges
any advice on early settlement penalties for your mortgage just been told we will have to pay £6,500 to settle early
