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off to see mortgage advisor.....
hi guys, iam off to see the halifax mortgage advisor on friday ( tommorow) iam having to set up a new deal as my existing one runs out at the end of the month. iam in the middle of getting planning permission for an extesion aswell and might need to borrow an extra £10k but until i have permission i dont know if i will…
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Remortgage & "Administrative charges"
I have just switched mortgage from Nationwide to Halifax, for a 2 years fixed rate deal. I have been charged £990 as admionistrative charges. Similar thing happened last time, when 2 years ago I switched from Yorkshire Building Society to Nationwide and had to dish out £700 pounds. These charges are ridiculous and seem…
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Kensington Rip Offs
I am trying to sell my house after Kensington Mortgages set an unbelievable exit fee which included £19000 of interest I have investigated them and the figure quoted myself is still not as high as others if they continue to ask for this redemption figure I cannot sell my house albeit I have a buyer and I cannot afford to…
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Where can I find a nice remortgage ?
I am looking to re-mortgage my property but can not find any decent deals out there. :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: I am changing from a self cert mortgage in June where I am currently paying 6.21% (B of E 5.25%) and would…
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Was my £299 re-mortgage "admin" fee unfair?
I started a mortgage with the Woolwich in the year 2000. About two years later I decided that I would like to change to their "Open Plan" mortgage instead. They charged me £299 as an "Administration fee" for transferring the mortgage - this was not an early redemption fee. If I remember correctly, this charge didn't apply…
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MEAF query
Hi, I'm just about to remortgage (end of this month) and have received my redemption statement from the Woolich which states an MEAF of £275. My original paperwork quotes £195, so my question is, should I wait until I have completed on my new mortgage and then try to claim or should I complain now and try to get the fee…
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Will a joint mortgage affect my credit score?
Hello everyone! Got a question for you all - my credit score is pretty good at the mo, haven't missed a payment, no CCJ's etc My girlfriends isn't great - she has a few missed payments, a CCJ, and generally has a bad credit score and has trouble getting credit. We are about to apply for a mortgage together - assuming that…
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Credit History Help!!!!
Hey Everyone!! I have a pretty messy credit history from when I was a student until last year with quite a few late payments and a couple of defaults. (Defaults were small and settled immediately). I have been very sensible since working full time for the past 6 months now and me and my partner are hoping to buy this time…
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Fixed redemption fees question
Hi All Last year, after my husband left me, I remorgaged my home and left my Nationwide mortgage and moved over to Northern Rock, in doing so I had to pay approximately £4500 in redemption fees (as it was a fixed mortgage)... shortly after struggling for a few more months I had to give up and sell and move into rented…
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Re-mortgaging
I have had a mortgage now for just over a year, i am on an interest only mortgage and have recently enquired to find a better deal but they say that they would charge me an early redemption charge of 5% of the remaining balance which is 8K? is this right or is there a way around it as the current out goings for the…
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First time buyers (Advice Please)
Hi all, My girlfriend and I are desperate to buy our first place together after being together for seven years! We have seen a flat with an asking price of £119,000, which we like. I am on £27,000 a year, and she is on £17,000 a year...all good so far, but... I have debts of approx. £24,000 (loans and credit cards) and she…
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Mortgage fees
After reading the article on mortgage exit fee,s i immediately rang my previous company the Halifax, and once i mentioned what i was ringing about they were most helpful, i was immediately put through to the department dealing with this and was told i was entitled to £135, I then asked if this included interest, and was…
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exit fees etc
My daughter got married in July, new hubby had house and mortgage guaranteed by his dad. They thought they could take dad off add daughter to deeds and mort etc but no Cheltenham and Gloucester said they had to start al over exit fees, solicitors fees, valuation fees, new mortage fees etc. they have had to pay out…
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Mortgage help needed PLEASE
We already have a mortgage owing £69,000, our house is valued at £300,000, now we want to borrow £155,000 for a second house, does anyone know of a company who might be able to lend us that amount of money , We've already asked our existing mortgage company but no joy there . we have a Joint income of £50,000, any advice…
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Why are no companies interested in my Endowment
I've recently looked to sell my endowment but so far three companies have passed on it. Does this mean I should sell? Details of policy are: Started 21/07/99 End Date 21/07/2024 Min Amount 12341 Surrender Value: 5628 Date Surrender Value: 05/02/07 Bonus: 638.71 Date: 31/12/05
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HELP...Buying house off mother in law?!
The house we live in is ours in all but name. My husband couldn't get a mortgage 7 years ago so his mother took out a mortgage for us in her name only. We put down a large deposit of our own money so she only has a small mortgage for us (although its classed as her second home). We want to buy our house from my mother in…
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repossession question
if you get repossessed and the house is in negetive equity what happends to the owner of the said repossessed house and how does the loan company/bank recover the money it lent on the house. does it write the loss off or do they persue the outstanding payment fom the owner??
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Mortgage Administration Fee
Within sight of finishing my mortgage and Egg say that they have increased the closing administration fee from £85 to £150. I thought £85 was acceptable but a 75% increase seems steep. Par for the course, or worth complaining?:question:
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Advice needed
Dear All, Life changing advice/suggestions required I am 24 old married woman and my husband is 30. my husaband works and lives in Cardiff. Now i am planning to move to cardiiff by may 1st. At the moment our current debts are £3500- HSBC credit card.-1.9% interst till Aug 2007 £8000 loand from MBNA , paying off 360 per…
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selling my endowment
have had an offer from a broker I found on the web, who has a client offering me 400 over the surrender value, which is great, but now that they have asked for all the paperwork I question how sensible it is to send this off when I know nothing of this company (Endowment express surrend link) am I being over cautious? How…
