-
Best fixed rate at the moment ?
I have found .... 5.55% fixed for 2 years No Fees + Free valuation Stroud & Swindon (online quote) Searched high and low but cant seem to better it. Looks like i have missed out by a couple of months on some good deals :(
-
Mortgage Indemnity Fees - Can we claim back?
I put my reclaim of mortgage discharge fee up on this board yesterday, and mentioned that I'd like my £800 indemnity fee back. A couple of people agreed with me so I'm posting this again in its own thread to see what people's views are. stash36 Halifax. Fee was £40 in '95, and £75 when I left them in '01. Phoned up and…
-
Re mortgage Advice
Hi , I've just recently registered but have been following the site for some time now.... I have recentlyset the wheels in motion and begun xferring my mortgage from Northern Rock to LLoyds TSb. My current mortgage comes off on the 1st of every month , but my mortgage is swapping over on the 27th , Am i able to contact my…
-
best place to get this deal please help
I am after the following: either intially doing an interest only deal for 2 years or the lowest possible deal for the following amount of money. I want to be able to offer up to 110000. I have a deposit of 7000 at the moment. My income is as follows so I would need a good multiplier. 19000 + 1900 profit share 20900 total.…
-
IFA has advised us to lie about partner's employment status.. v.worried
Hi, We are first time buyers, and have consulted an IFA who is a family friend. Our situation is this: I have a new job, having just graduated from a MSc, 3 weeks in. My boyfriend is technically self-employed but works for a company who pay him his weekly wage and has been there for 6 months. Our IFA has already produced…
-
What are the costs of buying?
Hello everyone, please be nice this is my first time posting! I have seen a one bedroom flat that I am very interested in one the market at £139,950 and I have a deposit of £50,000. I am a first time buyer, so I would like clarification on two points; a) What will it actually cost me to buy? - fee's to arrange the mortgage…
-
Endowment - to keep or to surrender??
I have an endowment with Legal&General and am wondering if I should keep it up or surrender it.... Details are: Start/End Date: 01/12/1988 - 01/12/2013 Policy: With Profits Endowment Bonuses to date: £11,708 (as at 31/12/05) Premium: £90.60 per month Basic Sum Assured: £19,584 Guaranteed Death Benefit: £64,000 Jan 2006 RED…
-
Investing a lump sum into an existing pension.
Hi all, I have to move my investments from one pension to one of my other pensions because my employment at the company has changed. I know that it is not worth keeping the funds in the existing company pension because it has a flat rate management charge which only works out cheap if you've got more than a certain amount…
-
Flexible Offset Calculator?
Up until last year Woolwich had a brilliant offset calculator online which allowed you to calculate your monthly payments based on a number of conditions, they have however taken this offline because it didnt give the right picture as the interest rate would vary of the X years you had the mortgage. We all know the…
-
Mortgage for my Retired Parents
I am trying to help my parents find a mortgage, but we have been unable to find any lender who will offer them a mortgage, since they are both over 75. They have some savings for a deposit, from the sale of their home, but will need a mortgage to fund the purchase of their new flat. They have a limited income, but we are…
-
Fixed rate Mortgage with Halifax but want to alter
I have a mortgage with the Halifax and live in a shared ownership property. Basically I purchased 75% and the other 25% is owned by a housing organisation who charge me rent each month. It's year three now and i'm allowed to purchase their 25% from them, I think it's a 2 yr clause or something. The thing is i'm in a fixed…
-
How to remortgage?
I'm coming to the end of my current fixed mortgage deal with C&G at the start of April and I just wondered what happens next - do they write to me with a new deal nearer the time or do I need to chase them up first? If the latter, can I do that now or is it too early?
-
Mortgage Adviser Trainee
Hi everyone I have just had an interview for a trainee mortgage advisor and got through the first stage (there is another three to go).Can anyone give me any advice on why i should be looking at the mortgage industry for a career change.I have been in the building industry for over thirty years and I am looking for a…
-
Mature Student looking for a mortgage?
I'm 25 and have recently returned to university after 6 years working in theatre, during which time i was staying in hotels provided by the company, i've returned home to my parents for this year but its not long term. I've amounted decent savings of around £45,000 and after being asked to rent a student house with some…
-
Mortgage with long term contract
Hello Everybody, we are new memebrs to this forum and need some advise. Can I secure a mortgage when not in permanent work but on a long term contract, my wife is in a permanent job?
-
Taking over half a mortgage
Hi, My brother has split from his wife. They have a joint mortgage. Currently he has no income as he's at the absolute start of his new business (in which he's invested a lot of money). Could I take over his wifes half of the mortgage simply by signing a form? Or will the whole mortgage be reviewed - which may mean my…
-
Can't get on the ladder in London - BTL somewhere else?
Hello! We are a young couple living in London. We would love to get on the property ladder but this seems very unlikely in the near future as we can't afford to buy where we live (Bow) and we don't want to move anywhere else. We also rent an amazing house at a knock-down price from a lovely landlady which has allowed us to…
-
Redemption Statement from lender we are leaving - comments please!
We have been sent a copy of the redemption statement of what our current lender is asking for at completion of our remortgage this week. If we deduct the amount that they are saying will be due as interest, and the repayment fee, the balance is about £300 lower than the balance as at the end of December 2006, as shown in…
-
Remortgage help - am I stuffed?
...........................
-
Mortgage advice for FTB's...
Hello all, I have been a visitor to this site for quite some time now but have remained pretty quiet but myself and (recently made) fiance are looking at buying a house after 3 years of renting and I think we are in need of some advice. The basic details are as follows. Our outstanding credit amounts to £8K for car loan,…
