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Fee for taking insurance elsewhere
Hi, I'm new to this so please forgive me if I'm doing something wrong! I would like to ask if there is anything I can do about my mortgage lender charging me a fee of £25 for taking out my insurance with a different company? They charge this fee at the start of the mortgage and then charge an additional fee of £10 every…
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Confused - need mortgage for a couple of months
Hi I'm new here although I've been lurking for a while; I have a huge dilemma that I'm sure someone here can help with (pls !). I'm in the good old housing market at the mo' and was purchasing a new house with no mortgage. Unfortunately, we have just lost our buyers yesterday (for reason unknown). Now due to finding a…
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Wannabe First Time Buyer
Hi guys, I was wondering if someone could offer some general knowledge about mortgages because as a wannabe first time buyer I simply don't have a clue. My fiancee and I are due to graduate this July. Our joint income will be approx 48K and we will have 10,000 saved up before then for a deposit. OH company pays for moving…
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Interest rates tomorrow .
Anyone as yet started to panic about the outcome with the bank of england. ???:eek: Will it won't it ??? ( down would be nice ):rolleyes: Would be interested in your thoughts
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Can I borrow again?
Hi there, first post this year. Its a stinker, so bear with me. I'm in the process of getting divorced. Its mutual and fairly amicable. I'm currently renting a flat (with temporary loan from parents), whilst my wife and two children live in the family home. My wife is considering staying in the family home and taking over…
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Mortgage Brokers.... how many?
Is it ok to have 2 mortgage brokers?? I have one, who is looking for me now, but doesn't seem THAT good... he is whole of market and is quite old... OK he done the GFs Mum and Dads endowment problem etc, but doesn't seem 'up' on the kind of mortgage I need, (I'm an IT contractor) My mate who is also a contractor has…
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Under 5% fixed deal still around
Are there any under 5% fixed deals left? I've got 5% of the cash, I just need the deal!
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Endowment..surrender or sell?
Hi ,I currently have an endowment policy which is underperforming,& as i don't need it for my mortgage was considering surrendering it & investing the money elsewhere.I've heard of people selling policies in the past & getting a better price,has anyone any experience on this? Thanks
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is it better to make offset payments or change to a repayment mortgage?
Is there any financial advantage in changing an existing interest-only mortgage to a repayment mortgage rather than making overpayments each month? I have a large interest only mortgage with Standard Life. I have had it for 3 years and have just extended the deal for 2 more years at a tracker rate just above base rate. My…
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Arranging a mortgage
I've been working with charcol online as a mortgage broker and I've been told today that some rates have been reduced. The original suggested mortgage was suggested a week ago yesterday and we've still not got to the state where the mortgage in principle has been agreed (much to my dismay) I'm paynig for this advice (£199)…
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Mortgage con
I recently received a letter from my mortgage company telling me that my three year discount deal was coming to an end,but they had another one they could offer me for a one off payment of £125! I contacted them and was told this was the norm and had been for the last 18 months and there was nothing they could do.I then…
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Remortgage....title deeds
Hi I am currently remortgaging from Coventry BS to Cheltenham and Gloucester, the coventry have sent me a form to complete to authorise repaying the mortgage and want to know where to send the deeds, my soliciotor (working for and paid by c&g) say that they dont get involved in this, the c&g say that they dont want the…
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Endowment help
Hi all, This is my first post so hi, and be kind :-) Following the advice on this site my husband and I have both begun the process of challenging the endowments we were sold individually before we got married. We sent the letters off at the same time; my husband has had a form back from his endowment provider to complete,…
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Mortgage advice please
Hello, I am a new user (but have been reading the boards for a while). My husband and I are looking to buy our first property and was just wondering whether we should speak to our banks or a broker. We spoke briefly to Abbey who said that it was possible for us to get a 275k mortgage but ideally would like a bit more.…
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A BIG Thank You / More Advice Needed
Friends, Just a big thank you from the Tepid Water household. A month or so ago, I posted a thread in an attempt to secure a mortgage deal which best suited our needs. After lots of excellent advice, we decided to go for the 5.17% 5yr Fixed Rate deal with HSBC. It was a bit of a rush but eventually we secured the deal on a…
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Is now the right time to get a mortgage?
My partner & i have been saving to buy our first home.We would like to buy a house for approx £150,00 & have raised a 5% deposit ourselves. However on meeting with our independent mortgage advisor yesterday he suggested we should consider waiting a couple of months to see what happens with the interest rates as they are…
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Help: Timing on decision making
Hi, buddies, I just graduated and will start working this Sep. But I am still not so clear about what procedure I should follow to choose a morgage. Should I have a chat with a broker and see how much I am able to get before searching my 1st property? Is it possible for me to get a morgage before starting working? Though…
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Good value Mortgage Protection Insurance
Hi I'm a first time home-buyer ready to move in within the next few weeks and I wondered whether any of you good people had any advice/recommendations on good value Mortgage Protection Insurance? For my sins I'm a Civil Servant so although the salary's not great I don't think I need unemployment insurance - just something…
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mortgage protection?
My daughter is taking out a mortgage is 84k is is work the extra £15 a month on mortgage protection or are these just not worth it.:confused:
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Repayment or interest only + ISA?
Hi, Please could someone give me some advice? We have just secured a remortgage deal with Nationwide on the 4.94% rate. up until now (we bought our house two years ago) we have been on an interest only mortgage but paying £100 per month into an ISA (we did this so that we would have the extra to pay off the capital at the…
