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Missing Broker Details
As a first time buyer I was advised by an estate agent's in-house broker to take out an Abbey variable rate mortgage with an endowment policy from Legal and General. The advice on offer was minimal, not helped by the fact that I didn't know what questions to ask at the time. However, if I now wanted to pursue this for…
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Easier to get a mortgage if I have a mortgage?
I am hearing an argument from various quarters that it is always easier to get a mortgage if you already have one. Point is that we want to sell, to avoid the hassle of being in a chain, we intend to rent when we have sold and then take our time to find the right house to buy. But what is our status when we are tenants…
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Standard Life Final Bonus Update
Hi everyone, Some of you might remember my past threads (HERE and HERE) on the Standard Life Endowment policy we have in which I was trying to work out whether to keep or sell it. In the end I decided to hang onto it until the next installment of the Final Bonus was paid into it which was due to happen this month. I've…
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regular overpayments vs lump sums
hello all ive just done some number crunching on https://www.whatmortgage.com. (overpayments) 30yr mortgage at 5.39% = £560 35yr mortgage at 5.39% = £529 + (overpayemt of £31) = paid of after 30yrs. sorry i no this must sound obvious, but it didnt at first to me. I actually thought you would say more money in the long run…
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Re-mortgage shortfall issue - IFA negligence?
I have just re-mortgaged my flat as my girlfriend has just become co-owner. Here's the deal... I had an interest only mortgage with C&G taken out through an IFA. It clearly wasn't a competitive or attractive loan but was all that I could afford at the time. It was taken out in April 2006 and my dad was guarantor. It was…
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Sainsbury's bank???
Anyone know about the m? I have a mortgage woth them and have recently asked about adding a small amount to the mortgage. However, they have said that they are not currently 'in the mortgage market' and don't have any idea about when they might be offering mortgage products again. Any mortgage experts out there who can…
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Who Can Give Me a Mortgage?
Please help, under threat of eviction. Anyone know of a lender prepared to consider giving mortgages with low interest rates to lone parents on low income with bad credit history? Thanks KVBSaver
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Offsetting?
Hello, We're (still) planning to find our first house this year and are thinking ahead about money and mortgages. Our savings will be approximately £20k once we've (hopefully) both contributed to our ISAs in April. We anticipate needing to borrow around the £170k mark. I've read a little about offset mortgages which sound…
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mortgage calculators for overpayments
hello all does any one know of a calculator available that will help me work out how fast i can pay my mortgage with the aid of extra repayments. thanks
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Compaines changing their names but actually they r the same
:mad: I have an Endowment which was sold to me by Andrews Financial Services of Bristol in 1990 who had an FSA authorisation number 136098. They now operate as Andrews -- See they might be the same!!! I have logged a Endowment complaint with them only to find to my horror that they can hide behind this very clear loop hole…
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Mortgages....grrr
Just a bit of a rant really... I always knew things would be a bit difficult. Just not *this* difficult. I'm self employed, and my company has only been going for a few months, but is very profitable. My partner's bank were brilliant and agreed to a great mortgage for us at a ncie low rate (before the rates went up). The…
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Help!
Hi there, I'm with the Cheltenham and Glouscester BS and in 1999 took out a five year capped mortgage. When that ended in 2005 I stayed with C & G but changed the rate to a fixed two year mortgage. In order to do so they charged me a conversion fee of £204.96. It seemed steep at the time but were they in the right to do…
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low income-self employed problem
I am in the middle of a huge dilemma, i have a mortgage with my ex i want to remove him from the mortgage and change the name on the deeds to that of my new partner. i know this is possible but the stumbling block for us is that i have a baby and am not working and my partner is self employed. we want to keep the house as…
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Mortgages
I Currenty Own Approx 30k On A Mortgages, And Have About 40k In Savings, Do You Think I Should Pay Off My Mortgage.
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Fixed mortgages to get more expensive
http://clpuk.com/swaps.htm The graph has been updated. Them fixes ain't coming down in the next few weeks anyway...
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Broker’s fee can you cliam this?
Will mortgage companies give you a broker’s fee if you don’t use a broker? You never know your luck
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principality mortgages advice
I have a small joint mortgage withthe Principality. However I am in the process of splitting with my partner, there are no children involved, and I own a 40% share of the property outright. This is all written up ina legally binding document. the upshot is that my ex is entitled to 30% of the equity if we sell. I am…
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£700/£800 a month, 120k mortgage
I'd like to get on the property ladder as soon as possible and my dad wants an investment so I proposed we buy a house together. Though, I can only afford £350/£400 a month currently. Our combined earnings are approaching 40k and my dad owns his own house so the bank will lend us the money. Over a 30 year period at 7%…
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Sell or keep L&G endowment
We have a L&G endowment that we took out in 1998 for 32100. It has 17 years left and the fund at the moment is about £4900 paying £56 a month. Advisor says to keep it and go part repayment part int only but I'm not sure. Wouldn't it be best to go full repayment and sell the endowment?
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What would you do in my situation?
What would you do in my situation? I am a 52 year old divorced man, in very poor health, living on benefits and some savings which are becoming rapidly depleted. I have one child, currently at university. There is no other income and I am finding great difficulty in managing financially which is causing me a great deal of…
