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Impartial Advice Needed
I am 60 yrs old and my partner is 35, that's the 'shocking bit over:eek: I am still working full time as a lorry driver, and earning around £25000 a year, and intend to do so for the foreseeable future. I went for personal bankruptcy in May 2005 and was discharged in February 2006. My Partner has a very good credit…
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One Account, £125 free for new members and the person who recommends you
To all you people who have been pondering on the idea of opening an account and are now about to. there is an offer on where if you attach a voucher from a friend who reffers you to the one account you and the friend both receive £125 in their bank accounts at the time of the new account opening. please note i think…
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Endowment Reply from the company and need help
i have written to Andrews Financial Services Ltd who were the agents who sold me my endowment policy in 1990 and they have replied stating the following -- you policy was arranged in 1990 and falls within the restrictions set by the limitation act 1990. the Limitation Act bars claims of this type being brought 15 years…
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cheap remortgaging or website for mortgages site
was recommended by someone . dont know if read in someone else thread but can no longer find them. it was a company up north somewhere i think. cannot where they were. any help appreciated as was hoping to call them today. thanks in advance.
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Mortgage calculator help - and Excel spreadsheets
deleted thread
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Newcastle BS
Just been in touch with Newcastle BS about a remortgage, they are offering 5.22% fixed for 5yrs, £475 arrangement fee (grrr). Does'nt sound too bad. Thought id let you know.
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First Direct Offset v Nationwide
I've just been accepted in principal for a First Direct Offset mortgage for the amount of £77,500 over 17 half years. This is good but I'm planning an extension to my house which is going to cost approx £20-25,000 later this year, and after enquiring about this as a further advance First Direct have said no. However my…
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What will happen, the mortgage we are applying for has had its interest rate increaed
We are with Northern Rock and are buying a new house, so we have an application going through, now today the intetest rate has gone up on the product. Will we still get the product at the rate we agreed....or as the application is still in progress will we be left paying the new rate?
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Intelligent Finance Offset Mortgage
Hi, Me and my girlfriend currently have a £135k mortgage with northern rock, but it's not a great deal and are looking to change. We've checked with NR and it would only cost £250 to end the agreement with them. We've been offered a 12month fixed rate of 4.99% which after the term, tracks base at +0.5%. It is also an…
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Best Mortgage for FTB
Hi There, i have a few questions with regards to a house im just about to buy. Firstly, i have been to see a mortgage adviser at one of my estate agents and they have found a mortgage from nationwide for 5.44 % with a fee of £899. My question is this the lowest rate im going to get on a £200,000 mortgage with a £15,000…
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Ombudsman letter - advice please
Hi, Having had an endowment complaint turned down by the bank, I wrote to the Ombudsman, who has written back and asked for clarification in two areas before he can make a decision. First, why was a 30-year term chosen for the mortgage and policy? (My answer is I honestly have no idea. It seems a strange question for the…
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Sell or keep Standard Life endowment?
Sorry for yet another sell or keep question. My husband and I have a joint endowment policy with Standard Life. We have paid off the mortgage it was supposed to pay off. Last year we received compensation for misselling on the grounds that it continues after both of us are retired. Here are the details. MC 80 plan for 25…
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splitting up
Hi Can someone tell me what is the situation if a couple split up, have a joint mortgage on a property but one of them refuses to sell the house? Can they be forced to put it on the market?? Thanks Sue
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Possible to get a 1 year fixed mortgage???
Is it possible to get a 1 year fixed rate mortgage? My Northern Rock 'Together' (???) mortgage is up in a few months and I have a few remortgaging options: 1) Don't remortgage, just stick with the rate it defaults to once the fixed period expires (expensive surely?) 2) Try and get a one year fixed with Northern Rock and…
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Exit fees - get a final statement
Our endowment mortgage with Zurich and Halifax came to its natural end last year. We were told we would not be charged a fee. We received final cheque but no statement so we asked for one and found £175 had been deducted. We complained and were refunded. If we hadn't demanded a statement we would have paid without…
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Multicurrency Mortgage
Hello, I've been approached by a company called The Clarkson Hill Group and ECU offering me a multicurrency mortgage, I have never heard of this type of mortgage before and I was wondering if any had, does anyone have any experiances they could tell me about? Thanks
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Buy to Let or any other option?
Hi everyone i have posted this over om the house buying board... Hi, I'm just in the process of buying a house and i intend to live in it however i have a feeling that my personal situation may change in the next couple of months and i may be moving away. If i do move away i plan to let the property as i wont need to pay…
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Buy to Let or any other option?
Hi everyone i have posted this over om the house buying board... Hi, I'm just in the process of buying a house and i intend to live in it however i have a feeling that my personal situation may change in the next couple of months and i may be moving away. If i do move away i plan to let the property as i wont need to pay…
