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Mortgage & Insurance Fee
Whilst going through all of my various A&L mortgage documents (as a result of the FSA annoucement and Martin's mutterings on Mortage fees), I noticed that A&L charged me a £25 admin fee for NOT taking out their insurance policy at the time of taking out my mortgage (some two years ago). Are they allowed to do this and is…
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Two Mortgages
Hi, i currently have a mortgage and am tied in due redemption penalties. I wish to take a further advance which i could do with my exixting lender. However, i can get a better deal elsewhere for the addditional lending. My question is, how many lenders would be prepared to be a second lender string lender to me?
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endowments
how can you claim endowment back when the society you are with are telling you the time has run out
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Help
At present we have an interest only morgage and we need to get a policy in place to pay off the morgage i do not know where to start .Can anyone suggest any companys or plans .Morgage is £120,000 how much are we likely to have to pay on top of our intest only morgage?
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Cashback - Dumb question ?
I have recently remortgaged - there was a small cashback incentive of £150 However the amount I wish to borrow 62k - has now been increased to £62,150 - and I have cheque for the cashback. But does this mean I am now making repayments on a £62,150 mortgage - building sociey have asuured me its only 62k - but if the advance…
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Is my Broker Dodgy Also??
Or is it just me not reading it right. I got the agreement through the post this morning to sign along with an up to date 'Keyfacts' info. There are a couple of other changes/queries I need to ask about but the thing I'm not sure about is in the 'charges' section, he has added some charges that were not there in the…
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Mortgage and employment question!
Morning, just a quick question. How long do you have to be employed to be able to get a mortgage? For some reason i thought it was about 6 months but others seem to think not. Any help would be great Thanks :confused:
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im better off putting £500 less deposit down
hello i wondered if someone can tell me iif these figures are correct. I went onto a website yesterday and entered my figure for a mortgage in. I did the same figures twice but i changed the deposit by £500. house price £110000 £110000 lending £99900 £99500 Duration 30yrs 30yrs type 10yr fixed 10yr fixed rate 5.39 5.39…
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remortgage or stay
Hi wonder if anyone can help me I'm nearly at the end of a 5yr deal with Skipton BS and wonder whether to stay or move on to better things! I owe aprox 45K and current product is the Stateside US Libor mortgage (linked to the US Dollar)which was a great deal and now not so great. I've been overpaying the mortgage and…
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Mortgage Payment Holiday
Hi My mortgage provider has sent me a letter encouraging me to take a payment holiday because I have made 9 consecutive payments. I don't need a break but a month mortgage free would make things a bit easier as my girlfriend is wanting to have six months off work unpaid to look after our 4month old baby daughter and would…
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Buy to let mortgages
A friend and I have some spare cash and want to share a buy to let property. We've looked at mortgages and found one from the Portman BS. It's fixed and the rate is 4.44% for two years, thereafter rising to 1.99% above base. For the size of mortgage we want the set-up fee will be £750, taking the rate over two years to…
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home buyers surveys.
hello can anyone give me a website where i can get some online qoutes for house surveys. thanks
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moneyback mortgages.
hello has anyone had experience of using this website to process there mortgage. thasnk
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£180 Arrangement Fee To Borrow £4k On Existing Halifax Mortgage
Hi everyone, With everyone currently talking about reclaiming exit fees it set my mind thinking. Me and my OH arranged to borrow an extra 4k on top of our existing mortgage, arraged to see them on a Saturday morning and they did it there and then. The only thing is they charged us £180 for the privilage. This was about 3…
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online solicitors, pros and cons.
hello all, as the title says can any one give me some advice,. I foned round about 5 local solicitors, and they are all saying about £1000 all in. Yet all the online solicitors are saying £600ish all in., there fees are round £300 ish cheaper!! thanks
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Paying mortgage arrangement fees
In 2003 we tried to buy a house and paid a had a mortgage arrangement fee of £650 up front. We lost this fee when our buyer pullled out causing the chain to break down and us to lose the house the mortgage was agreed on. I now realise we could have had this fee incorporated into the mortgage and if we lost the house we…
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ING mortgages
I am in the process of changing morgtgages and came across this site . My current lender is Nationwide and they seem to be offering £100 off arrangement fees for existing customers and they do seem competative, However I have just come across ING Mortgages and theres seem very good. Only a £170 fee (as far as I can tell)…
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Late Paying Monthly Mortgage Payment
Hi, Can anyone give me advise on this. I am quite often late paying my mortgage. This generates a letter from the Building Society telling me i am in arrears & they charge me £35.00 for the privelage of recieving the letter & telling me something i already know. What i want to know is is this regarded the same as bank fees…
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over 60 downsizing
for a over 60 downsizing and ending up with £20k mortage , also on pension and part time job , what are disadvantages of doing a interest only mortage and letting the £20k come off estate that i leave ( hopefully in 30 years time !! )also how much credit gets written off ( ie credit card ) when someone passes away ?
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The Saving For A Mortgage Deposit Piggy
I had an idea to have one of these..... Do you think its a good idea? If so who wants to start one?.....
