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Overpayment on interest only V switch to repayment
Currently we're paying an interest only mortgage which we're pretty keen to move away from. It's fixed at 5.29% until end of March 2008. We're in a position to pay more than normal at the moment so...would it be better in theory to switch to a repayment mortgage until the fixed term is up and we look around for something…
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Endowment Complaint Companies
I'm new to this site but very impressed. Wonder can anyone help me, I signed up with a complaint claims company to chase my endowments. I ended up doing all the work, they were worse than useless. They took over £800 from my first claim which was very straightforward. When my second endowment claim was turned down, I…
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Halifax Fast Track Mortgage
I've got an AIP from the Halifax for a 85% LTV 'Fast Track' Mortgage, on a 2 year fixed @ 4.99%. Mortgage Broker has told me, that they can ask for income proof at anytime! (but hardly ever do) Is this true?:confused: Also, if this product is not a true self cert, then what's the difference? Many Thanks
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First Time Buyer, help please!
Hi All I am a first time buyer who is looking to get a mortage up to £70K (a third in with my folks). I am looking around for a mortgage. I am thinking after a bit of research to go for a tracker mortgage. I was wondering if anyone can recommend a selection of good lenders to try please? Thanks.
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No Fee Whole Market Brokers in Hants/Surrey
Hi Guys, About to have a hunt through the Yellow Pages but does anyone have any recomendations of Mortgage Brokers in the Fleet/Farnborough area? Happy to travel around a bit to B'stoke, Guildford etc. Obv looking for no-fee, whole of market fella/fellarette... Chars Bob
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help!!! Reservation fees
Wonder if anyone can help, my fixed rate for two years ends at the end of March, Ive been offered 5.58 for ten years with a £399 reservation fee. I would prefer not to pay a reservation fee -do they all charge this?
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Remortgage - Rate Change!
I have a fixed rate mortgage with C&G which ends in March 2007 - I contacted them to carry on with them as my lenders back in January 2007 and accepted an offer for 5yrs fixed at 5.79% (without a fee), I rang and told them I was happy to accept they said 'leave it with us' . I rang today as i'd recieved no paperwork, they…
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remortgage
hi i need to remortgage i no my house is wortth it, how do i do it any how long does it take, can you suggest any good companies
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selling endownment
I wonder if anyone has had experience of getting a good deal selling an endowment policy. Or could recommend a good company Thanks
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Please Help Me!!!!
Hi everyone, This is my first pot on this forum although I regularly visit money saving expert. The question I have is in relation to my current mortgage and where I stand. In August my Fiance and I split up, he continued paying the mortgage untill he moved out in December. My family paid him half the equity in the house…
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Refused a remortgage!!! Help please!
We've had our mortgage with a certain high street lender for 3 years and our initilal term has just ended. We went to see an ind. adviser and it seems like the deal our own lender can offer is the same as the ind. guy can get us, so we applied to remortgage with our crowd and borrow a few quid to get bathroom and kitchen…
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Should I use Endowment !!!!!
I am buying house £250,000 I have £100,000 from previous house sale = £150,00 to find. I have an endowment taken out 7 years ago for £80,000 which is still running. I can afford to pay repayment mortgage on the £150,000 What should I do about endowment ? Pay mortgage of £150,000 repayment and keep endowment running as…
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electoral register and mortgage chances.
Looking to first time buy in the next few months. Recently moved into rented accommodation but have not yet transferred addresses on electoral register. Friends have told me that this may lessen my chances of getting a mortgage. Therefore what I want to know is would I be better staying on the electoral register at my…
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missold endowment compensation
We took out an endowment in 1986 with the usual promises of covering the morgage and receiving an additional healthy lump sum. It is due to mature in 2011 showing a shortfall of £4000. I have recently made a (go it alone) claim and been offered £452. Can anyone tell me if this is an acceptable amount. Unfortunately we are…
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Equity release for new property purchase
My wife and I have overpaid plus reduced the term of our mortgae considerably in the last few years and now realise we've sitting on an asset that isn't doing much for us. We've still got about another £80k to go on the mortgage. What we are thinking of doing is increasing the mortgage to £180k and taking the £100k and…
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Mortgage deposit question
I will be getting my first mortgage in or around December 2007. As a general rule is it better to put down 5% as a deposit, or to put down as much as I can ie more than 5%? I know a friend of mine was advised against putting down a large deposit so maybe it depends on the mortgage?
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At what point do 'they' need my hard earned cash?
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Mortgages
Whats the cheapest discount deal out there at the moment:confused:
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Mortgage Shortfall
Can anyone help? My daughter and her boyfriend have split up, they have sold their house, but are going to have a shortfall of around £8000. My daughter is willing to pay half of this debt, but her ex is saying he cannot afford to pay his half. Their mortgage provider just wants the money. Where does my daughter stand? If…
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AHHH SCARED, help please
right here is my prediciment. what happens if say i want to bid a certain amount on a property say 110000 and my mortgage deal is a 5% deposit. as far as i understand the mortgage companies will only lend you up to the valuation fee? is that correct? so if i put in 110,000 i have a 7000 deposit say then the mortgage…
