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How to negotiate a remortgage discount?
After reading an article about possibility to get part of commission back if I go through https://www.moneybackmortgages.com I decided to remortgage. If I go through https://www.moneybackmortgages.com the bank will pay around 800 pounds in commision to broker and I get 400 back. Before I go through this route I decided to…
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mortgage question
i have a small mortgage shared ownership , which is now only 31,722 left to pay i am on standard rate . i spoke to my mortgage provider re lower rate which i have been offered fixed at 6.45% for 5 years sounded good saves me £19.75p a month , now heres the problem when i read through it if i accept i would be owing…
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Endowment, which option is best ?
I've received an offer from L&G giving me 2 options. My mortgage is £38000 policy taken out 1990 due to mature in 2010 when I'll be 62. I work part time now which covers my mortgage & £89 per month to L & G. I'll also have a pension next year. Opt 1 is 'total redress' £27,000 Opt 2 is reduced offer of £1,700 and keep the…
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Mortgage Question
My husband and I took out a mortgage with RBS in 2004 at a nice rate and was very happy with them. Unfortunately, when the initial period of the mortgage finished (after two years) we didn't realise - stupid I know, but we live and learn - and we were put on to the bank's standard rate. Our mortgage shot up so we called…
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Looking for Mortgage
Hi All, I am fed up with paying rent and want to buy my first home. I managed to find the property (Newly builit 3 bedroom semi detached) outside london which has value of £250,000. But based on my salary (43,000) and monthly credit commitment (monthly repayment - £500, total loan outstanding £35,000) , I am unable to find…
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Mortgage Work
Will be taking my CEMAP quals in May and June and was wondering if anyone could give me advice on setting up part time till i get up to speed. Are there any companies that popele could recommend that i could AR for.
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Looking for the best fixed low rate mortgage.
Evening folks Our fixed discounted rate & tie in period for our current mortgage with the Nationwide ends 31st March. I have been looking around for the best fixed rate for 2 years but I'm stressing out a bit about it now. I wish I had started looking a couple of weeks ago & got an application in before the last rate…
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switching mortgage fees
Are there any other fees involved when switching mortgages other than the exit fee and the new mortgage lender fee (assuming the early repayment stage has ended) thanks
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shard ownership?
just wondering how does shared ownership work and has anybody had any experience of this, we've seen a house that is 50% shared ownership for £69,950 who would own the other 50% and how would you buy the other share in the long run?
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Mortgage Top-ups?
Hello , Our mortgage is the lifetime tracker mortgage - we are doing a part and part type where we are paying off the interest only of the loan and also paying part payment to the shortfall that we will have on the endowment We have been making top - up payments and all the payments we have made have all gone to the…
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I need a mortgage, asap.
:money: hello all. well today we looked at our new house. finger crossed. weve put an offer in and it has been accepted at 105,000. and we have a 10% deposit. The estate agent said they want our solicitors details on monday. (is this correct) they also said they want our mortgage in principal. (is this correct). Any im…
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fixed for 2 years or 5?
I have just gone onto a variable rate morgage and hope to switch back to fixed rate i was thinking fixed for two years ,could go for fixed for 5 years but seems along time to be tied to a morgage rate .Does anyone know what the interest rates are perdicted to do in the coming months or years?I am just wondering whether to…
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Unresponsive broker - update
Hi, I posted here http://forums.moneysavingexpert.com/showthread.html?t=306809 about my unresponsive broker, and somebody said they would like to hear what happened. Well, the financial adviser actually had an agreement with the broker, that the broker would not sell insurance to people referred by him. So I have cancelled…
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Have you ever been tempted??
Just join this site after more than a year browsing , i've spent the last few years in serious debt and i've managed to over come and will be totaly debt free in july this year :j i live with my parents and earn 22k per year i dont have any savings or assets as i've used all my money to clear what debt i've had every extra…
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where do I start? missold endowments
My husband surrendered 2 policies 3 years ago 1 with standard life and one with allied dunbar ( sorry about spelling) we have no paperwork! can I do anything and where do I start? please help!
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Endowments - Keep or Sell?
We have two endowments with the Cooperative Insurance Service (CIS) and are in two minds whether we should keep them or sell them? Details are: Start/End Date: 01/08/1993 - 01/08/2018 (25 years) Policy: With Profits Endowment Bonuses to date: £5024.33 (as at 31/12/05) Premium: £63.52 per month Basic Sum Assured: £17,160…
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Reply to my claim of mis-sold policy - what now?
I recently contacted the provider of my current endowment(s) using the template provided in the other thread stating that I believed I had been mis-sold my endowments on the basis that they would pay out more than is now being reported. Their reply goes somewhere along the lines of this; "I understand that you have…
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Need a mortgage but got black marks
We need a Mortgage for 188,000 pounds. I earn about 18,000 a year and my wife earns about 15,000. We have a 40,000 deposit and my father in law is willing to go as guarantor with their house valued at around 400,000. I have three black marks on my credit report for unpaid credit cards from when i was self employed about 18…
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Which is the Best Buy to Let Mortgage
Does anyone know who is the best and cheapest lender for a £93,000 buy to let mortgage?
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misold endowments sold 3 years ago
Hi ,just wondered if anyone can help! we had 2 endowments one with standard life and allied dunbar (sorry if the spellings wrong) We sold these 3 years ago when we moved and I was wondering if we can do anything as we no longer have the paperwork and I dont know where to begin ,I would appreciate it if anyone can give me…
