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alliance and leicster
sorry is this has been posted before but i have trawled and not been able to find it i have just changed my mortgage to A&L and i wanted to know if they had a way of viewing your outstanding balance on the website and be able to make overpayments any help would be greatley appreciated
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Help!!!!!!!
My husband had a mortgage with his first wife and in the height of the ressession in 1993, his house was repossessed. Today he received a letter from the mortgage provider he had back then, saying that after the repossessed house was sold, there was a £30,000.00 shortfull. They are now asking him to pay this. Is there…
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Brown (renovation) mortgages, has anyone any experience?
This is my first post here :j so hello to everyone I have done a search but nothing came up so sorry if I'm asking about something already covered. Yesterday myself and my other half went to see a house. It is mid terrace, been vacant for a long time and is in a state of disrepair. There has been a leaking roof that has…
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Advice on Mortgage affordability
Hello, This is my first post so please be gentle. Basically the OH is wanting to move to a bigger house following an addition to the family and would welcome some opinion on affordability. Incomes; Me = £27,000 (+ usually 3k+ overtime) salary increase in Jan to approx 31,000 and OH = £14,000 Benefits; £150pm Savings £500…
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'Accord' mortgages
Who are they? Also, does anyone have a feel for whether or not they offer reasonable customer RETENTION deals at end of tied period?
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Lump sum repayment
Hello, I have recently inherited approximately £20,000, and would like to consider my options for my mortgage - 1) I assume that it is more effective to pay off part of my mortgage than putting it in a savings acount ? 2) If I pay off my £20,000 repayment mortgage now, it will reduce my outstanding balance, but not by…
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Whats the point in agreements in principles
Hi, Just a word of warning, I'm a ftb in the process of buying, so before viewing anything went to a mortgage broker to discuss what I could afford on 100%. Between us and based on incomings and outgoings we agreed up to 120K with one of the major high street banks R** So found the right house and before putting offer in…
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Dont Be Put Off By Advice
A couple of months back I logged a couple of different threads relating to my need to remortgage to clear outstanding debts,currently being dealt with via a dmp with the CCCS.I have 2 defaults & a credit score of 485 which is classed as very poor.I was advised by several people on this column that I would be lucky to find…
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First payment on mortgage
We've just got an offer accepted on a property. If it all goes through on an expected date of 31st January when would we make our 1st mortgage payment? Also are mortgage companies able to change the date of payment, we'd prefer the 5th of the month, does that mean we need to engineer it to complete on the 5th of the month…
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Help! What happens in case of death?
A couple have a mortgage in joint names and one partner dies. (The mortgage has been taken out only recently and has a penalty term of three years.) The surviving partner is unable to keep up with monthly finances, given the size of mortgage repayment required. The only survival strategy would appear to involve either a…
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Endowment shortfall - HELP
I have an Endowment Policy with Standard Life to cover £40,000 which Standard Life says could have up to £20,000 shortfall.I have 8 years left to run on the policy so I have tried to claim compensation.I was mis-sold the policy because at the time I was not told of any shortfall possibility and I could have easily afforded…
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Completion dates and Mortgage interest charges
Hope someone can advise? We are in the process of selling/buying and I have just noticed how much interest we will be charged if we complete on the 5th of the month. Our lenders will take the first monthly payment plus any interest on the 1st of the month, following completion. Can anyone confirm my understanding that if…
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want to be squeaky-clean for new mortgage
We're intending to move house new year and will need to apply for a new mortgage. If all goes as planned, this would be late spring time. Just wondering about 2 things that may effect our credit score, and therefore mortgage applications, so we can be prepared. First, we have a debt that we have been paying off for a…
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Profligate in need of rigorous shaking
Apologies if this has been covered amongst the other threads, I've had a look around but cant really see anything that fits what I'm looking for. For one reason or another this year, well mainly my own profligacy if I'm honest, I've managed to gain myself a couple of credit defaults. One of which is paid, the other is…
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FTB - What is realistic?
Hi all, Just a toe-dipper here :) Getting on the housing market is a semi-priority for me and my partner right now, as a logical next step. A bit of background, I graduated in mid 2003, and took a job immediately and left in September 2006. Salary went from £14k at start to £24k at end due to various promotions. Left the…
