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Proposed Mortgage Broker Code of Conduct
Hi following on from the discussion here I have drafted up a code of conduct. I thought it'd be easier for this to be the first post so everyone can see it so I've closed the other one off (sorry to make everyone jumpa round).... Here’s my rough draft attempt – knocked out so ignore any grammer type errors, no point…
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Advice much needed - remortgage
Hi there, maybe sbdy here can give me few advice.. I have had a mortgage with Yorshire BS for about 9 yrs.. .. I stopped working about 3 yrs ago to have and look after my daughter. My partner works of course but the house is on my name as I bought it initially. We don't really want to go thru the process of putting house…
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Endowment - Take the Money and run?
Hi there, I'm new to this and a bit 'green' as far as finances go. I am considering surrendering my Prudential Endowment (ex Standard Life)as through a redundancy payment I am in a postion to pay my mortgage off. Would this be a good idea? Is is currently on 'amber alert' with a projected shortfall of £10,500 @ 4% return.…
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Do Mortgage Brokers Do A Credit Check?
I am just starting to look for a new mortgage using some brokers (I am a self employed contractor so using specialised contractor brokers by the way). They have asked me for a shed load of information which is fair enough, including my current address, as well as time at the address, D.O.B. etc. Sounds to me like they will…
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Endowments - Abbey Life want to increase monthly premium
Got an endowment with Abbey Life - been paying same monthly premium for years - received numerous letters over the years indicating shortfall - already made provision with ISA's to cover shortfall. they have now written to me saying that they are increasing my monthly premium to cover shortfall - can they doo this?? i have…
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Bank of England Interest Rate.
Bank of England have just announced the Interest Rate is going to remain the same at 5%.
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Deal direct or go through IFA? Please advise me.
I am with A&L on my current mortgage. In order to avoid paying the ERP of about £2.5k :eek: I am thinking of porting my mortgage with them and 'topping it up' to the new amount I require. In the process, the mortgage will go from being in my name to a joint one with the OH. Question: should I do this direct with A&L, or…
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ending a mortgage early, admin costs
I am buying a new house (not new build) hopefully soon to complete. We have lived in our first house 17 years, never missed a payment, never late. I am having a new mortgage with a different company but I am annoyed that once again companies seem to thing us mear mortals can be fleeced when we changed. Not content with…
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Kensington and Mortgage Arrears Capitalisation
Hi, Its been a while since I last posted but severeal months ago I posted about my situation with Kensington Mortgage Company. To cut a long story short, I am just airing my experience with them to help give a bit of hope to people in the same boat. Basically, we got in arrears with Kensington and it amounted to about 6…
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Endowlment
Hi All I submitted a complaint about an endowlment and have recieved a letter and the company is offering me a sum to settle,is this something you can haggle on or are you best to just except the offer? thanks herts
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Mortgage Broker
HI All Is there any kinda list available for Mortgage broker who are running their business in London areas.?
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Nationwide mortgages
Hi, could anyone share their experience with Nationwide mortgages? We have just had our offer accepted at £135K. We FTB. We talked with mortgage broker and he suggested Cheshire BS for us, but I had a look at Nationwide and their interest rate is very competitive. We are thinking to go for no fee fixed rate of 5.38% for 2…
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mortgage fee's
i am due to remortgage in 3 months and have seen a mortgage with my existing provider that i like the look of. however the fees are quite high particularly a fee for existing customers. i also have current acc, savings acc and credit card with my mortgage provider , would i be wasting my time trying to negotiate these fees…
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An open note to all mortgage brokers
Dear Mortgage Brokers, I am extremely saddened by the outbreak of civil war that seems to have happened on here. I have already written much of this content earlier in the appropriate thread, yet as it hasn't been read let me write it here. What we can do to resolve the unhappiness This was and still is addressed to…
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How much could we borrow for a mortgage??
I don't know if anyone can help? We have lived in our current flat for 2 years 10 mths. We originally took a mortgage of £59K. We remortgaged 6 mths ago up to the amount of £69K. We have been advised that the property should now be worth around £85K - but don't know if that is a realistic quote?!? Anyway we have set our…
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shared appreciation mortgage - HELP!
I have a shared appreciation mortgage with the Bank of Scotland and would like to get out of it without having to pay the appreciation. Has anyone out there managed to do a deal with the bank or managed to revert it back to a normal mortgage without the penalty of paying them their share of the appreciation.
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will we ever get a decent house??????
hi my hubby and i both have what i consider to be ok earnings for our age (both 23). we currently live in a 2 bed detached worth around £130k, with a £90k mortgage, however the houses that we would like to live in are at least £175k . will we ever be able to afford one???? i know i shouldn't moan as some FTB just can't get…
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Isa Or Other Types Of Repayment
I HAVE A £60k REPAYMENT MORTGAGE WITH A ISA WHICH HAS £15K. IS IT BEST TO OFFSET THE £15K AGAINST THE MORTGAGE OR LEAVE IT TO BUILD UPTO THE £60K THEN PAY OFF THE MORTGAGE?
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Mortgage valuation well short
Me and my partner bought a place at the beginning of the year, costing £140k. It was then valued at £147k by the mortgage firm (halifax). We've had debt since we bought the place, and we can only pay minimum payments each month, so nothings changing. We have decided to do something about it, so i looked into a "further…
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remortgage
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