-
Calculator in Excel
Hi again Anyone has a calculator i can use? The one that will tell me what i'm paying off each year broken down by interest and repayment. So for example - if i enter i'll be paying £500 each month - i should be able to find out what i've paid (and left) after a certain period, say 5 year. MANY thanks
-
Capquest on watchdog
Doh - wrong forum - wondered why there wasn't a thread.
-
Retraining and Mortgage
Hi I have only recently (6months ago) moved into our first home with my girlfriend. Basically I am planning to apply for a new job which involves retraining. The training lasts for 2 years so by the time I finish the course my current fixed rate mortgage deal will expire I will get paid on this course but not as much as Im…
-
IFA advice - should it be free?
I have speaking to a few IFA looking to get an overview of how BTL mortages fit in the bigger scheme of things. I thought that IFA would be able to offers fees or commision style offerings. However a couple have stated that they would want £150 before offering advice - is this becoming the norm?
-
Overpayments on a Nationwide mortgage. Reduction in term?
A friend at work has a Nationwide mortgage and is overpaying on it like myself but they say that they get a letter every month saying that the overall term has been reduced as a result of the overpayment. I have never had such a letter and on the online banking and recent mortgage statement the original redemption date is…
-
Mortgage Exit Fees discussion
This discussion relates to the Mortgage Fees Article To discuss or ask a question about the article: click reply To report your experiences go to the Mortgage Exit Fees successes and failures thread Extra Note - We have had lots of comments about what is and isn't included as a MEAF. The article has been updated to include…
-
Mortgage Exit Fees successes and failures
-
Somebody help please.
I have posted about my situation in the last week, but just don't know what the best option is!! Me and partner are separating we have outstanding mortgage £97,350 house value £270,000 I need £150,000 for mortgage and pay him equity (i want to stay in the house) I earn £30,414 (no debts) I am trying to sort the money out…
-
FTB with C&G
Hi everyone, it's a long time since I wrote a thread but I could use some help please. My son and his fiancee have put an offer in on a house for 110k and need to borrow 104k. Their joint income is only 26,500. I've seen a mortgage with C&G - FTB stepped fix 95 - that offers free valuation, no product fee, and no Higher…
-
Endowment cash: pay off Mortgage or invest?
:confused: Hi, I am hoping someone can point me in the right direction, or clarify how this works! I am about to cash in my Phoenix(RSA) endowment, after some previous help on this site. I'll get about 10k for it, plus stopping the £80 p month payments. I'd like to pay it off the mortgage when my fixed rate ends in…
-
help me get a mortgage
help me get a mortgage hi all here is the siutation i bought flat for 128000 and offer accepted (128*0.99 = 126.72) assuming it did have the 1% stamp included i have 15000 deposit there is no stamp duty as this road is 150000 threshold for some reason !!! anyway that leaves me with just the solicitors fees to pay and…
-
Help with 'The One Account' - Mortgage Advisors comments required
Hi again Been looking at moving from the One account to a more traditional fixed/variable type one. Got a phone call from one of the mortgage consultants from the one account basically advising me to stay (obviously). But the figures she quoted me were tooo good to be true and need some advice understanding them. My…
-
about to move up the ladder, advice on mortgage please
after reading most posts on this im still at a cross roads, do i take a fixed rate? do i stay with one account? after taking out my one account 4 months ago, i have seen nothing but interest rises and my current rate is 6.55% i have a mortgage of £95,000, we were not looking for a house but walked past a dream house for…
-
New here - Endowment Advice Please
I wonder whether anyone could give me some advice. We currently have a mortgage for £25K interest only (endowment) and £20.5K repayment. The deal ends on 1st May and our outstanding mortgage will be c. £43K. We have 2 endowments with Cooperative Insurance Services (CIS) which have another 11 years each to run (07/2018 and…
-
Do lenders match deals if they want your business..?
i read that if you have to remortgage one should get deals elsewhere and then come back to the initial lender and see if they can match it. anyone tried this. the company i am dealing with is mortgage express.
-
borrowing on property in france to get
uk property. any ideas anyone?
-
cheltenham and gloucester lending...can anyone help
just been reading up on trying cheltenham . this is what it says: "To help us decide how much to lend we take into account your income, plus 50% of the expected rental income. Alternatively, we'll make this decision based solely on the expected rental income if it is at least 100% of the monthly mortgage interest payment…
-
Re-mortgager or Purchaser?
If I want to buy out my sisters half of a house we have just inherited will lenders regard me as a Re-mortgager or Purchaser.And does it make any difference?
-
House buying advice
Hi, We're maybe away to buy my parents neighbours house who has run into a lot of debt and can no longer afford to pay his mortage etc. He's wanting to get a council house and has offered to sell to us before the bank possibly move in and take the house from him. We'll be paying him for the house and will clear of his debt…
-
Need some advice amongst all the confusion
Hi I struggle to understand all the different types of mortgage on offer, but think i know what i want (if thats make sense?) and hope for some advice please. We are looking to either move or if that doesn't materialise then get a better mortgage and stay put. Either way we wish to change as we have a One Account and it…
