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Tracker Until April 07
Hello, I was looking at our mortgage papers and we are on a tracker until April 2007, I just wondered what happens in April 2007 (considering we have another 20 or so years to go). Do we negotiate a new deal or shop around for a better deal (like car insurance) :o I'm going to ring them soon cause I want to ask about…
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Excuse for rejecting endowment claim
I just came across this article about Abbey rejecting an endowment mis-selling claim from a former soldier (scroll down a couple of paragraphs)..... http://www.telegraph.co.uk/money/main.jhtml;jsessionid=CGHOBZDAXVTJNQFIQMGSFFWAVCBQWIV0?xml=/money/2006/12/27/cmstars27.xml
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Advice please - endowment advisor company no longer exists
In hopeful anticipation that someone can help me, I don't know if there is anything further I can do. I bought my endowment in 1990 and was advised to increase the amount to act as a savings plan (!). My £46K endowment is now worth £25K or less so I made a claim for my endowment through the FSA. They found out that the…
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how much will they allow?
Hi all, Wonder if you can help us. My husband and I are now looking to move we have had enough of our house. I have fallen in love with a certain house but we have to wait until next wek to see a financial advisor to see whether we will be able to get a mortgage for it. Our current property is worth around £100,000 the…
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Do I have a claim?
Hi there. so much info floating about, its hard to find anything. So best if I ask if anyone knows - I was sold an L&G pep/unit trust linked vehicle in 1997to pay off a mortgage, so am just paying the principle. I have paperwork that covers all the bases but in conversation the FA said that it was basically assured that…
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Mortgages, buying, selling = baffled
We are planning on viewing a property next week that is £70k (needs complete renovation). My husband is employed (earns £17k) and really wants to become a property developer and this would be our first step onto this ladder. I am a student until August 07 when i hope to enter full time employment. Our current house has a…
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Mortgage Help - First time buyers
Hello All I am in need of some help. I have recently started a new job which is about 60 miles or 1 hour and 45 mins drive from my current address, so I have to move. But houses prices are sky high there. My OH will be moving with me and we have found the ideal location and house. The house is one of the cheapest available…
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Move or not to move?
Hi All, Wonder if you could advise me and my OH. We live in a small flat worth £130K with £15K mortgage left (if we stay put, this could be cleared by Dec 07). We are absolutely desperate for more space but would like to retain our flat as it is going to be our pension. We could let the flat out for £450/cm. Houses in our…
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Should I cash in my endowment with only a couple of years to run?
Hi All, I'm a freshly signed up member - have been meaning to do this for ages as I want to know what to do.... I successfully claimed back £2k in interest from my mortgage provider for miselling my endowment. I have cleared my mortgage a while ago, but I am still paying into the endowment £78 p.m. and I only have 3 years…
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Mortgages for HMO
Hi, Does anybody have any experience on obtaining mortgages for houses of multiple occupation? I am being made redundant next year so I am moving in to the buy to let market,I have managed to work with environmental services re the licence requirements for HMO and the building work should be completed by Feb/March (it is…
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All-in-one Accounts; Good, Bad, Ugly?
I'm due to change my mortgage in March, and recently this all-in-one style mortgage and bank account has been brought to my attention. I've been on the website and it all appears too good to be true, paying my mortgage off in 11 years as opposed to 23. Can anyone advise me of their opinions or experiences with this style…
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second home
Hi i am just wondering if anyone can help me with a question that's been bugging me. My wife and i have 31 more payments left on our mortgage and then we are free (thanks to this site) and because we are still relatively young we have thought about buying again. Now i have heard that if we buy again as a buy to let then we…
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Shared Ownership whats the best way to own it outright??
I have recently purchased as Shared Ownership property and have a 55% share paying rent on the rest on a two bedroom flat which was valued at £290,000. The flat is in Acton in a developement in Bromyard Avenue it is on the top floor with a roof terrace our own parking space which set us back £20,000 as well. We will be…
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What would you do??
Hi, I've just joined MSE and thought I would appeal to the chat forums for some ideas. Problem: Sold my "very expensive to run house" about 18 months ago and bought a very run down flat with no mortgage. Unfortunately I had lots of existing debt and could not manage to pay this off. Then I had to completely refurbish the…
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is there such a mortgage ?
Hi all moving to a new home and not too sure about the area. I want a mortgage for a short term till I decide if I go for a long term fixed rate. So I wonder if such a thing exists. i.e something thats tied in for lets say 6 months and that is at a decent enough rate without any major fees. I would expect that the rate…
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First Time Mortgage Advice
HI all , I am 24 years old, living in london and working full time and my earnings are 21k + some other part time business income ... so i am looking forward to get a mortgage , can you please advice me regarding , Intrest only mortgage , Fixed rate and please i am looking forward for the 100% mortgage .. i will appreciate…
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IS it possible to have 2 primary residence mortgages?
Hi all, im new here. i was just wondering is it possible to have 2 mortgages that are primary residences? i have a 100% mortgage with HSBC, and was wondering if its possible to get another one with a different bank for another property i want. How will they check? im basically asking is there any way to get 2 100% or 95%…
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Redrow EasiBuy Scheme
Hi Im looking for some advice, as im gettint really confused.... Has anyone used the easi buy option before? Where redrow offset 10% of the purchase price, keeping their name on the deeds, 10 years to repay. They reccomended we speak to their mortgage advisor, to pre approve us, to ensure we are 1st time buyers etc and i…
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Pay off someone else's mortgage without their help?
Hello, i hope someone can help me with this query. I want to pay off the remainder of my mother's mortgage wihout her knowledge - well until after the event - as she would not allow me to I am sure. I know it is with A&L, and I know roughly how much it is. Does anyone have any idea how I would do this? Many thanks! Sophie
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First time buyer - new job
Please can someone let me know if we are likely to be approved for a mortgage. My partner is in a long term job earning £20k pa I graduated from university in the summer. I am just about to complete a 3 month job on 31st December where I was earning £15k pa. I have been offered a new permanent job to start on 1st February,…
