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Who do I need for my mortgage?
Who exactly do I need for mine? Putting down £10k deposit, probably more, and was given the contact details for a financial advisor, do I need him? Who do I need? People at the estate agents, a solicitor, and the people to buy from? Just wanted to know who exactly. Cheers!
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metal roof, ex-local & 100% mortgage - help pls?
Hi I hope some-one can give me some advise or pointers. Does anyone know if I would have any problems getting a 100% mortgage on a 3 bed house that has a metal roof? (they are quite common in the area, and the property is mortgaged at the moment) I qualify for a 100% normally, been looking at Northern Rock, so its just…
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Mortgage Exit Interest - advice needed
I had a fixed rate mortgage for 6 years. After 5 years I relocated and sold my property. As I initially moved into rented accomodation whilst looking for another property I repaid the mortgage. I was charged £2500 interest as I had not had the mortgage or the full 6 years. This was 4 years ago. Has anyone experienced…
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Friends Provident Endowment Advice
Hello, Can anybody give me some advice on what to do next with my pathetically performing FP endowment? It has a target amount of £34,000 due to pay out in Feb 2013 and my most recent assessment tells me that its projected minimum cash sum at maturity is £18,231.61. What as kicked me into action is the fact that depite…
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Endownment Misselling problem
Hi there, can any one give me some advice regarding our endowment. Briefly we were sold an endowment in 1994. We were told that it would pay off our mortgage and give us cash in hand! We complained to Norwich Union (originally Commercial Union) who sold the policy. They told us to complain to the financial advisor who sold…
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Is it possible to get a remortgage if a person is disabled ?
I need to remortgage due to a projected endowment shortfall and to fund home improvements. I hope to cash in my existing endowment, using this money to fund this work. Now that I am no longer able to work due to worsening of injuries caused whilst a soldier on active service. I am disabled living on a war pension…
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self cert for overseas??
Afternoon, I was wondering if anyone knows if it is possible to do a self cert mortgage for an overseas property ?? (Tenerife) and if so can anyone point me in the right direction, many thanks in advance
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Another first time buyer
Erm.... not sure where to start really! :confused: Personal info first then: I currently live at home with my parents so my out goings are very little (Company car, company phone, minimal rent etc) I have a £9K student loan but no other debt. I have gratuated within the last two yrs (Civil Engineering) and currently earn…
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Confusion with Mortgage Rate.
We moved into the house in July '05 and went onto the discounted rate of 4.49%. We borrowed £68,000 plus fees. I had some difficulty in making payments and although I'm now up to date, I have been informed that the account will run as follows: Letter details: SUMMARY OF THE FUTURE PAYMENTS Date of Effect: 1 Nov 06 Monthly…
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First and Second Mortgages - Help!!
Please bear with me, but I really need some advice. I'll try and keep to details..... 1. Am being offered new job, which means relocating. Some relocation costs will be paid by new employer. 2. To buy in new area, I will need to port existing main mortgage (not a problem, lender justs needs valuation costs on new house),…
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Selling a Managed Fund Endowment
Please Help! I have an existing endowment with L&G, which is a Managed Fund type, started 1999, maturing in 2019, Death sum assured £40'000. Projected maturity @4%, £29'800. @6%, £36200. @8%, £43900. My question is: Would I be better to sell this, and with it being a Managed Fund, does anyone know of a company that can…
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Mortgage advisor trainee
Hi my first interview on the ladder to becoming a mortgage advisor trainee is looming and i just wonder if there is anyone out there who can give me an insight into the world of a mortgage advisor good vibes and bad welcome. This would be a complete change of job for me as i come from the construction trade sector and…
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100% Mortgages
Here's my situation. Me and my fiancee are currently living in my parents house. We have a joint income of around £28000. We currently have no debt and can have around £10000 by October for a deposit/expenses/furniture. The thing is we have seen a house we like and don't know whether we can wait. My question is on our…
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Which lenders (if any) will look at P60's instead of wage slips?
Are there any lenders which will take P60's as proof of income rather than wage slips? my last 3 years P60s show a good enough income to borrow the amount i'm initially thinking of but my last 3 wage slips dont as i always earn more in summer than winter but it all evens out throughout the year. popped into A&L the other…
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My Dad wont claim?!
Hi all, i am sorry in advance for the lack of details i'm about to give... but my Dad took out a mortgage around 15 years ago, which he's now paid off, but it was an endowment style scheme. He mentioned that he may be around 8K short at the end of everything, but is worried about writing to the Prudential as he says that…
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Need a mortgage
Removed by OP.
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mortgage in cyprus through swiss bank
Can anyone give me advice on mortgages in cyprus, I recently bought an apartment and was advised in the bank to open a cypriot account and a sterling account although we were advised to take out a swiss mortgage. I have now found out we will be charged in britain by our bank to make monthly payments to our cyprus sterling…
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Desperate help needed
I have been made redundant and may need to retrain and take a salary £9000 less than i am currently on to get a job. I currently own a property with £35000 Equity in it (98000 mortgage) and Loan repayments on top of the mortgage of £350 a month. As far as i can see it if i sell my current property at £135000 (ish) pay of…
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First time buyer
Just searching for information at the moment. I had a quick meeting today to see how much I can borrow. The gentleman told me the figure based only on my salary alone. Amongst the questions he asked me about a deposit. Would I use it in the purchase or use it later. What are the implications of both of these options?
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Mortgage application delay!
Hi folks, My wife and I are buying our council house under the RTB scheme, with the house valued by the council at £130,000 and the discounted price is £71500. We have applied for a mortgage of £90,000. After 9 days I called the building society today and they said the credit checks were fine, but it's now been referred to…
