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Bank discontinuing mortgage
I was telephoned by my bank today and told they were discontinuing with my mortgage and I have to change to another - does anyone know if this is allowed - there were no minimum timescales or tie ins
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help - morgage or loan
hi, please help; my brother and i are buying our mothers council house, it will be around £20,000, so £10,000 each. Over 5 years am I better with a loan or a morgage, if a loan? whats the best without costing me money if paying it off early, as i have cash coming from an endowment next Febuary. any ideas.
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Switch With Profits Endowment to Fund?
Earlier today I emailed Standard Life to ask whether I could transfer my with profits endowment to one of their investment funds instead of surrendering or selling. I had a quick reply to say "Unfortunately, it is not possible to change the policy you have in this way." Was it a silly question? If not Has anyone managed it?
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Windsor Life Endowmnet Complain turned down
I have just recieved a letter from Windsor life stating that they have turned down my complaint for the following reasons ... 1/ I complained on the 22 January 2007 but we sent you a letter showing the projected maturity values on the 22 August 2000, we sent another projection on the 7th February. 2/ I complained more than…
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Getting BTL mortgage quotes online??
Partner and I are looking at getting a BTL flat, but can't seem to get quotes online. Keep getting a message "sorry, there are no products which match your cliteria", or similar. We have a mortgage on our home (mortgage 120k) We are self employed. Last years accounts showed 21k each. Previous year 18.5k each Previous 13.5k…
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Mortgage Help needed - Releasing myself from the Mortgage
Hi I'm hoping some people can give me some guidance on what I need to do: I have a joint mortgage with my now ex (no kids involved and we both paid the same amount of deposit and same monthly payments). I've now moved out of the house. How do i go about releasing my name from the mortgage. At the moment the plan is for her…
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GMAC Early release fee
Hi, THIS may have been discussed elsewhere so i apologise... BUT i was wondering... i'm in the process of claiming my bank charged back from the nationwide as we speak (the words pain and @rse come to mind, but hey ho!) and i was wondering if the same rules applies to mortgage redemption? Basically i bought a house 3 years…
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can we get a mortgage?
Hello, We are currently renting at £450 per month.Both aged 58 and 57 respectively.The problem is that we both have occupational pensions which will bar us from claiming housing benefit when we retire fully and therefore will be paying full rent for the rest of our lives. My query is would we get a mortgage of around…
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to sell endowment or run through?
I have a standard life endowment which is due to end Nov 2011, the cover was for £23,000 we have overpaid like everyone else and now owe £16,000 on the mortgage.SL are quoting min payout of £13,700 how do I estimate a final payout figure? Or is it worth selling the endowment now,to help pay off the mortgage I would then…
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Adverse credit, mortgage help!
Hello Everyone, My mortgage is up for renewal in July, and over the past year I have received defaults on my credit, I am with payplan. Does anyone know of any good reputable mortgage companies that offer mortgages, without ripping you off, to people with adverse credit? I don't have any CCJ's or anything like that, only…
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Euro mortgage in Portugal - Cheapest way of transferring money
Hi, we are about to buy a small house in Portugal, and will have a Euro mortgage. We will be earning in GBP, so what is the best way of paying the monthly Euro mortgage without excessive fees, poor exchange rates etc. The mortgage will be with a Portuguese bank?:confused:
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Remortgage advice
Hi there, hope one of you can advise on this one. Iv just taken out an interest only mortgage through a broker and dont know much about the remortgage process as I'll be looking to do this after 2 yr fixed rate ends in 2009. When you remortgage, what amount of the mortgage is transferred to the new mortgage/lender at the…
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mortgage while on income support
hi im a single mum with 3 kids and not working at the mo. am still in argument with dss about how much of my mortgage payments they will help with - i remortgaged 6 yrs ago while still with my ex and they will only pay it if i used it for essential work on the house.. i am hoping to go back to work soon and will want to…
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Any mortgage specialists offer help?
Hello, I currently own a share in a part-buy part-rent property, and am looking to move house within the next few months, im interested if anyone can point me in the direction of a lender that would consider my circumstances? for the record here are my circumtances: Salary £27,500 p/a Deposit - between 5-10k Credit history…
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Self cert Mortgages
Hi, I have just left a well paid job to form a company with some former colleagues. I sold my house and repaid the mortgage on it last week. I have no defaults on my credit file and no CCJ's. I have a good chunk of equity and I now want to buy my self somewhere to live using some of the equity as a deposit and the…
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Open Market Homebuy mortgage question
Hi,I'm hoping someone may be able to offer some advice, I have been accepted for the Open market Homebuy scheme, I know of 4 ( I think ) lenders who do this type of loan. I have some savings thatI'd like to use as a deposit. Basically I have to find 75% of the purchase price , and get 12.5 % max interest free from the B…
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please help me, i need advise on remorgages im on low income and partners out of work
hi there, ive been with northon rock for 3 years now and my morgage keeps going up and up. we got a morgage and a unsecured loan with them. any way its gone up again to £650 a month from march, and i really want to switch lender. but because my partner is out of work and were going through a few money probems at the moment…
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Where next?
We were missold our endowment policy early in 1988 by a Limited Company of Financial Advisors who have since gone out of business. As the FSCS cannot investigate investment advice that was given before 28 August 1988, are there any other routes that we can follow in order to compensate for our substantial shortfall?
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Whats the most i can borrow on 15K
Hi Im looking to find out the most i can borrow, my income is £15,000, so far nationwide will lend me £61,000. Does anyone know anywhere that lends more than this? Ps i have no debts and a good credit history. Cheers Randomhed
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New Fixed rate Mortgage Deal (credit rating)
Hi Not sure if this is the right place, but i will ask anyway. I currently have a mortgage with northern rock, my fixed rate deal has ran out so i went to discuss a new fixed rate deal yesterday. BUT i failed the credit check. They have told me that they will refer it to the under-writing dept, but i'm so worried that i…
