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No Change on Bank of England Rates
As above. The BoE have decided to keep rates unchanged this month.
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Advice Welcomed!
Hi all, Just after some general advice and personal opinions please.... :-) Myself and my bf are currently looking at buying a house. We have between us £30k of debt - of which we are repaying £1200 - £1500 per month to get this cleared as soon as! We both have good credit histories and our joint income is £55,000. The…
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mis-sold endowment advice please
After reading the advice on this great site I decided to try for compensation on my endowment. I hadn't considered this before as I have such a small mortgage and thought I had no hope. To my surprise I recieved a letter this morning offering a payment of £320.44 although a payment was not expected at all, is this a fair…
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Louisa V Halifax - I Won
Woo-Hooh!! How great is this site! I didnt have any bank charges to claim back but recently re-mortgaged incurring an 'exit fee' of £175. I read on this site (which i am new to) to write to bank and claim unfair charges. I did that 4 days ago. This morning i had a letter stating they will refund me £100 and to sign a…
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Trainee Mortgage Advisor and Mortgage Manager???
Hello guys I am new in this chat the same as in mortgage industry. Having passed CeMAP 2 I have been offered a job as Mortgage Manager, but several things look suspicious from my point of view. First of all Why they want me to apply for approval from the FSA, having two other advisors in the company which have CeMAP…
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Permission to Let Application C&G
Hi Guys, I'm considering letting my house and will need to ask C&G for a permission to LET form. Does anyone know what this form requests in detail? What kind of questions do they ask, and in any experiences are C&G fairly relaxed on this? Thanks guys, Kace
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Moving Mortgage - admin fees
We are just approaching the end of a fixed rate mortgage (no tie-in). Last time this happened, we stayed with the same BS although its rate wasn't so competative as we saved nearly a grand on arrangement fees. We weren't charged a penny to move from one fixed rate to the next. This time, they are asking for a £95 admin…
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Pro's & Cons Offset Mortgage
Hi, I am on the verge of moving house and quite like the idea of an 'offset mortgage' after chatting to some of my colleagues who have one. I know that different mortgages suit different people & circumstances but my colleagues do sing the praises of them.... pay off what you want, when you want etc. I know there must be…
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House Buy: Who keeps the papers?
Just bought my first house and going to move in pretty soon. Had a chat with solicitor who said that all the property documents (deeds, maps, etc) are going to the Land Registry. Land Registry can take up to a year to work with them. Then, the mortgage company will have them or the solicitor will keep some of the…
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Early Repayment Charge's
In order to purchase 2 investment properties I had to sell the existing investment property I owned 11 months earlier than I had imagined. This incurred an early repayment charge of £3,619.96 from the Bank Of Scotland. I'm annoyed about this as A, They lost the deeds on the property I was selling and almost cost me the…
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Offset Mortgages
Hi Everyone Quite a few years ago I was attracted to a rapid repay mortgage supplied by the Yorkshire Bank. I liked the idea of consolidating all my finances into what was in effect a large overdraft whilst reducing the mortgage term. I have since moved on through a raft of mortgages and my current deal ends on the 30th…
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Survey Value More Than Purchase Price?
Can anybody tell me, as a general rule of thumb, if I were to buy a house for £148k after it had surveyed at £150k, would a mortgage provider lend me the full £150k or just the £148k (assuming a standard 10% deposit included)? I'm desperately trying to assess my finances before potentially making a bid on a house first…
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Endowment Problem ??
Hubby took out an endowment with an agent of Scottish Amicable now Prudential,when he took out the endowment he was told it would pay his mortgage at the end of its term but he never even had a mortgage or house at the time as he was in the army living in barracks,we didnt buy a house till 7 years later should he have been…
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Morgage advice
I'm classed as self employed but i get a statement from my employers can i still get a normal mortgage or do i have to self cert. Can someone help answer this? :o
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Self Employed Advice please
Hi there, I have a big dillema, well problem really. I have been self employed for a year as a childminder. My dad want to sell up the house because of the death of my mum, he has held off a few years until we could afford to buy it but the time has now came. Anyway, my husband earns £18,500 and I now make £1107 a month,…
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'Surrender Value Deduction Fee' for Endowment Policy
Recently surrendered a with profits policy we had with FP . They charged us £1452.93 to "enable us to recover some of the early costs of setting up and issuing your policy" Now I was always led to believe that policies typically started off slowly because of early set up costs etc, and anyway in our particular instance FP…
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Holiday savings vs mortgage overpayments
Sorry for the cross posting, but my post on the Travel, Trips & Holidays http://forums.moneysavingexpert.com/showthread.html?t=369933 covers savings & mortgage payments as well as holidays itself. No response on there so far, so if anyone has any suggestions (on that forum obviously) I would be very grateful! Cheers in…
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Not Married - Mortgage Advice please
Hi, Some years ago I returned from abroad and bought a flat for myself - in my own name. Some months later, my ex-partner also decided to return to this country and she and our infant son moved in with me. We lived together for several years until I found a job in another part of the country. The mortgage remained in my…
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Take a name off title deeds
Hello, My ex-girlfriend is buying me out of our house. We own it as Tennants in Common with a 70/30 split. Our mortgage company say that we need a solicitor to look over the papers (which they are going to send to us) in order to take my name off the title deeds. I got a quote for the work which was £295 all in. Does this…
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Annual Certificate of Mortgage Statement Fees
Please tell me I am not the only person who did not realise Halifax are / have charged me a whopping £20 each year for a letter telling me how much interest I've paid in the preceeding twleve months. BL%%DY daylight robbery!:mad: Does it really cost £20 to press a button? Grumpy Chubber:mad: :mad: :mad: :mad: :mad:
