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Moms husband died before mortgage transfered
My moms husband unfortunately died this week of cancer. They were in the process of transfering all utilities, including the mortgage, into her name. Unfortunately he died this week before the mortgage was transfered into her name. He has cashed in all his bonds, policies so there will be enough to pay off the mortgage but…
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Buying house from parent
My father is planning to sell his house on the market, he has however given me and my gal first option, now its a 3 bedroom house is in excellent knick, i was braught up in it etc etc. He is willing to sell me the house for 42000. If this is the case do i still need to get a survey? How does it effect my application for a…
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£3000 in Isa or pay off some mortgage?
Hi All, Sorry if this has been discussed before, but I haven't been able to find an appropriate answer in all the threads I've read. I have £3000 to spend and want to know whether I would be better off investing in a mini cash Isa or putting it towards my mortgage and reducing my monthly payments. I do have another Isa…
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One Account
This mortgage seems too good to be true? Is it???:j
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Phoenix endowment performance
Dear all, my first post and about something that obviously crops up alot. We have two unit linked endowments originally from Royal and Sun Alliance, now owned by Phoenix. They are going to underperform and we've tried to compensate for this by gradually converting bits of our mortgage to repayment. We're trying to decide…
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split what next?
hi there my girlfriend and i have recently split up. we bought the house less than 12 months ago. borrowing 96k. put down a deposit of 8k (mine with contract stating the 1st 8k or 8% of house is mine.) what is my next step. i could afford the current repayments(£502 p/m) on my own. i just don't know what to do.:confused:…
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do i cash in my endowments
Hello, Me and my wife currently have three morgages, two of witch were taken out as endowments, and one as repayment. When we were notified that the two endowments had a shortfall, we converted them both to repayment, and kept on paying the endowments so we had a lump sum at the end of the twenty five year period. But we…
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Mortgage Advice for difficult circumstances
I am finding it difficult to get a mortgage and need some good advice. I am a self employed plasterer and five years ago I got into some financial trouble and received a CCJ. Since then I have been able to stay on track paying off my debts and would like to buy a house instead of renting. Although every time I apply for a…
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Joint mortgage need some advice??
Hi everyone Id really appreciate a bit of advice if at all possible. We are currently renting and the house is being put on the market, myself, partner and mum are hoping to find a joint mortgage somewhere. My partners currently a full time student, part time worker, Im self employed without proveable income as of yet, and…
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Moving to Sweden
A friend currently lives in a nice 1-bed flat in central London, on a repayment mortgage which he's around £3k into the capital of, if I expressed that correctly. He is about to move to Sweden permanently. He is trying to decide what to do with his current place - he has had brief conversations with his mortgage provider…
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Norwich Union Endowment Policy Selling Question
Before we were married, my wife took out and endowment policy with Norwich Union in 1990. I had taken out two policies in the mid 1980s before we met. When we married, we sold both houses and bought another one using the three policies to potentially repay the mortgage upon maturity. Obviously, as is the case, all three…
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Re-mortgage. use investments to reduce mortagae at same time or not?
Hello everyone, I'm looking for some advice I currently have an offset mortgage which does not suit me. 2 reasons. I am not good at keeping my current account in the black and the other is I just found out it is interest only so although I am overpaying each month the debt itself is not going down very fast. Interest £275…
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Advice please
I have a mortgage of around £109k which I took out in January 2006 with A&L. I pay around £750 per month and have slightly over 17 years left on the mortgage. I also have credit card debts of around £20k (pay £450 a month) and owe my mum £7k (pay £50 a month). I am wanting to get these paid off, but due to a change of…
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nationwide aip
Hi just wondering if anyone knows how long an aip lasts for with nationwide can't find it on website and kept on hold for so long today! thanks
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Phoenix from the ashes ?
Hi All I have a pathetically underachieving Phoenix endowment that, somehow, seems to be in big demand. The details are as follows:- Original Issuing Life Office : Royal Life Assurance Ltd Policy Type : Endowments Start Date : 14/07/1992 Maturity Date : 14/07/2017 Basic Sum Assured : £10,096.00 Total Bonuses & Declaration…
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Manchester/Trafford IFA any recomendations?
Does anyone know any good, whole of the market, no fees Independent Financial Advisors in the Manchester/Trafford area?
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Remortgage with same provider for discount - Nationwide
We have just come to the end of our 2 year discount period (so no penalties for leaving) with Nationwide on our fixed rate mortgage. I need to give them a call tomorrow to find the exact figures but I think we have about £116,000.00 remaining over 23 years. £50,000 of that is interest only and the remaining is repayment. I…
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Cedar mortgages... ? anybody know anything?
Hi, We have just had a visit from a lovely man from Cedar Mortgages, everything seems fine and above board... they are whole of the market so I think we will go ahead with them, just wanted to know if anybody had had any dealings with them, Thanks Angela
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Working for Britannia B.S
I'm in the running for a job at Brittania building society in Staffordshire. One of the perks they offer is staff mortgage rate after 12 months service. Anyone out there know what rate this is currently & how attractive it is as a perk ?? Trying to work out financial implications of taking the job if offered - i.e what it…
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How long do mortgage offers last for?
I'm moving into a new build in March and think I will go for a fixed rate mortgage. It seems pretty clear that the interest rate will rise soon but I heard that a mortgage offer usually lasts for 3 months. If I wait until January or February it's quite likely the interest rate will have risen. Therefore, does anyone know…
