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missold endowments cashed in
Can we do anything about a missold endowment that my hubby sold 3 years ago he no longer has the paperwork and does not recall the people who sold it (it was taken out in early 90's) we had 2 and cashed them in when we moved as they were not going to cover both mortgages are we at a complete loss or is there a way of…
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Can you find out how much money someone owes on their Mortgage.
I know what the original Mortgage was and who it was taken out with but I have a need to know if that person has since enlarged their borrowing. How do you find this out OTHER than going to the concerned BS and paying their huge fee.
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Commercial mortage extortionate fees
I applied for a commercial mortage with Barclays. All is well as I own the property outright except they say I must pay £300 - £400 to a company to come to my premises and say it`s worth more than the £35,000 I wish to borrow. This seems an extortionate ammount for a man with a clipboard to just say yes the money is in the…
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Selling Endowment
I have an endowment policy that has now been running 11 years and fed up of letters about shortfall. I changed my morgage some years ago now to a repayment and kept the endowment goin for my personnal benifit. That was before all the endowment shortfall caos. I have made inquiries about cashin it in. I took it out in 1996…
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nothern rock together or coventry bs mortgage?
hi me and my partner are looking for either one of the above as we need the personal loan aspect aswell i'm 26, employed ft, earn £14631 p.a & partner 23, employed ft, earn 13500 p.a. we have £9000 outstanding on a loan with hsbc and £3800 on a car loan outstanding, we pay £400 per month rent, £268 on the loan and £130 on…
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i need 7 times my mortgage please help
i need 7 times my mortgage please help
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mortgage lump sums
When we took out our mortgage, lumpsum payments were allowed for no fee. Last year we were informed on phone (not yet in writing) that there was now a few for this. Will this also be covered by the decision on not allowing increses in exit fees? Paul and Kate
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Buy To Let
Hi I am looking into buy to let. The property is £60k and i understand that I can borrow 85% of that, meaning that i would have to find a deposit of £9k. So far i have 4k and am wondering if it's sensible to draw the other 5k from the equity from my current home. The reason for doing the buy to let is to try to make some…
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How can I decrease my monthly mortgage payment
My mortgage payments have just been increased at Nationwide, I only have £18,000 left to pay on it and pay £176 a month. Just wondering if there's a cheaper way to pay it off. Any idea's would be gratefully received.
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Keyworker Remortgaging?
Does anybody know anything about remortgaging when you have bought your home with a keyworker loan? Do banks and building societies place restrictions on these types of remortgage? I'm banging my head against a brick wall trying to get sense out of the Association who arranged the purchase. I know it's a fairly small…
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Remortgaging and then moving
Just wondered if anyone could give any advice in regards to my current predicament. I have a Northern Rock together mortgage which is now at 7.4% (had for 6yrs). I would like to remortgage to get a better rate (flat now worth about 2.5 times the mortgaged amount ). Problem being that I am looking at selling up and moving…
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OVERSEAS Mortgages
Hey all, I'm currently living in Japan and I'm interested in getting onto the property ladder, BUT I have no idea of what to do as I am a first time buyer! Ideally, I'd like to buy in Britain, but I'm just looking for general help from all you MONEYSAVERS out there! Any Advice would be great on where to start, who to…
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One Account - really that good?
I thought I'd try out the one account mortgage shrinker and was amazed at the results.. has anyone else tried it and is it working/did it work for you? I've just let a room in my property and was working on the side of caution, but I thought could be done if i tightened the purse strings. Basically it claims I could pay…
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what is the mortgage idemnity gaurentee
hello what is this fee and when do we pay it and who to, and does it differ from lender to lender. thanks
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Contractor Mortgage
Hi, I have been in It contracting for 14 months. I earn £210 a day. Before this I worked Full Time for a borough council. I currently rent @ £550pcm. Looking to buy a house, going to view one on sat... its on the market at £126k. I will need to move fast as it is a repo. I do not have any accounts yet as I have only been…
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Advice on the cheapest product for me?
DH is buying for 130,000 and can put down a 20% deposit. DH earns £39,000 so no problem about the amount. We are likely to keep the house for less than 2 years so would like no penaltys after 2 years and low arrangement fees. Can anyone tell me whether the Coventry Building Societys deal of 5.74% Flexx fixed rate until…
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do you pay interest on the arrangment fee.
hello all. I was just wondering if you have the arrangment fee added to your mortgage, this means you are then in affect paying interest on the arrangment fee. is this correct. Ive been looking at lots of mortgages, and im narrowing them down to the one that fits my needs. can anyone advise me on how to work out whether a…
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Can I get a mortgage, then pay it off in 14 months?
I`m in a slightly unusual position and have a dilemma, although it is a nice dilemma to face.! . I currently have a £79,000 mortgage, £50,000 repayment and the balance as Interest only. The mortgage has 11 years left to run on a property valued at over £300,000. The current mortgage has switched to standard base rate and…
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when can i make a mortgage application.
hello all. could someone tell me when can i actually make a mortgage application. for example. we have not saw a house that we want yet. but im thinking that good mortgages are been taken off the market each day. so can i apply for a mortgage and how long will the lender or broker honour this deal for. thanks in advance
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First time buyers credit question...
Nothing too fancy here so hopefully someone can help... Me and DP thinking of applying for a mortgage as first time buyers at some point soon. I am working near enough full-time, he is in his final year of uni and working part-time so we're waiting until he graduates and is working full-time. I've been reading up about…
