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DUNSTONH please read link again more info for you
Hi all, advice required for a plonker I was sold an endownment in nov 1998 by an advisor at Bairstow eves estate agents. The advisor also arranged my mortgage with the darlington building society. the mortgage arranged was actually a repayment mortgage in my ignorance ''which i'm putting down to my age at time'' i just…
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Looking for new mortgage deal
Hi, At the end of this month my 2 yr fixed rate with Halifax will be up. The halifax rates are poor at the moment compared to others plus I was looking to add an extra £3000 to my now £39000 mortgage which Halifax will charge me a fee of £299. Is it worth me looking elsewhere, for example I have seen a much better rate…
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help need advice re endowment
Hi all Am a new member desperate for help Basically wrote to barclays re endowment july 2004 they told me were to go I rang them and they said no again so I left it after advice dedcided to try again they said no but I could take it to ombudsman which I did they have looked into it and said barclays wont allow them tolook…
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Mortgage Additional Borrowing Fees
HI All. This is my very first post on this site so please excuse any mistakes. My query is as following I have been a customer of Halifax Building Society for about 9 years with my first mortgage. My current arrangements have come to and end and I have decided to take out a 2 year fix rate with Halifax again. However I am…
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Should I stay or should I go?
We have had an offset mortgage with the Woolwich and despite reading some bad postings on here it's worked for us so far. We are what I'd consider low income so though the figures don't seem much they are to us! We now owe around £19K and have savings of roughly the same amount we chose not to pay this off tempting though…
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self cert uncertainty
Hello all I hope someone can lend some advice here; my husband and I want to buy a house and as he is self-employed we have been told that a self-cert might be the way to go. But I heard that you only need a 10% deposit for a self-cert - surely this is quite a small proportion of the mortgage, and sounds as though it may…
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contacting mortgage advisor on this site
there is a mortgage advisor on this site that i have been quite impressed with judging by his posts and would like to contact him/her through the personal message system on this site to possibly place a mortgage case with. just wondering is this allowed or am i breaking the rules? thanks
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Advice on Mortgage deal please
I am looking to help my friend find a lender willing to lend to him on a property he has found. He has an excellent credit record but we are worrying how to find a high enough salary multiple lender. His basic salary is £17,400 - on top of this he gets unsociable shift allowance equal to £4,350 totalling £21,750 Again, our…
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1986 endowment am I able to claim misseling
I took out a endowment mortgage in 1986, am now living on a War Pension which is very low so needed to claim income support to survive, so can not remortgage to cover short fall the endowment company told me I can not claim for mis selling as the policy was started 1986. Anyone got any advice many thanks
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reclaim fees on buy to let when staying with same mortgage?
Can I reclaim fees incurred when I haven't even changed my provider Just came to end of fixed rate and renewed it but been charged can I claim this back at all thanks in advance
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Changing to a new mortgage deal
Hi Our mortgage is currently with the Halifax and I don't really want to change. My deal's ending at the end of March. Halifax are not offering the best deal on the market - if I was to ask them to match the better deal to stop us moving would they? TEH
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Need funds to buy new house before selling old one
Hi, I've found a house at auction I want to buy (price permitting), but won't be able to sell my house in time to fund it. Can anyone offer any advice on possible ways of funding the possible buy (I know shouldn't do this, but it's the only way of getting a bigger house). I plan to put my house on the market a couple of…
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Remortgaging, please can someone explain?
Hello, Just wanted a simple answer to this simple question. My partner and I took out 95% mortgage in 2004 for £123,500. The property was worth £130k. We're now looking to sell up within the next year and was wondering logistically how the remortgaging works? Do we sell our property for sale eg: £140k and that pays off the…
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Mis-sold mortgage?
Hi all, I took base rate tracker mortgage from Alliance & Leicester directly in July 2006. I am currently on their flexible base rate tracker mortgage. Mortgage adviser advised me that this would be the best deal for me as interest rate was 4.44% (BOE base rate minus 0.06) and it was 0.5% , if I can remember correctly,…
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Nationwide Fixed
I keep a little eye on the old Nationwide mortgages (mainly cos that's who I'm with and who I'm hoping on refixing with in Feb 2008). Would they already have put their interest rates up anticipating a raise on Thurs? Only their rates have gone up twice since 11th January. Or are they likely to put them up again come Thurs…
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Selling endowments - recommendations please
Hi all, I have a couple of endowments which I am probably going to sell, because of impending emigration. Has anyone here sold an endowment? If so, who did you use? Did you get much more than the value offered by the endowment provider? Were you happy with the overall service? Any info appreciated. Thanks, PPJ.
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Non comforming sub prime mortgages
Hello, my husband and myself are thinking about buying a property, have ever we have a few skeletons in our closet when it comes to money. Over the years we have been in a considerable amount of debt, we had to sell our oringinal home to get sorted out and now we are in rented. During that time renting we have managed to…
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Mortgage termniation payments
I have read the thread regarding the mortgage exit fees so I won’t be asking about that here. I have just redeemed a mortgage with the Portman Building Society and was surprised to see interest charges applied on the redemption statement. I checked my first mortgage statement from 1996. The advance was provided on the…
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BTL mortgage - 1yr offer
I've got an off-plan purchase in need of a mortgage soon. The flat completes in December 07 so I'll need a BTL mortgage at that time. With rates on the rise, I'm keen to get a fixed rate deal in place now but the obvious issue is getting an AIP (or DIP) - Agreement or Decision in Principle - now, that remains until Dec 07,…
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Mortgage advice: a couple of (easy?) questions
This is probably been asked many times before, but I have not seen any info on this site (through the mortgage guide, etc) or others, but….. I was looking at mortgage rates and doing the manual maths (a rough calc to see how much I can afford), and on some of the values got a few questions. For example when the rate says…
