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Islamic mortgages
Can anyone tell me the pros & cons of using this type of mortgage? Thinking of buying next property in this way! Thanks
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Not sure if i can remortgage
i purchaced my house 2yrs ago.its valued at over 100k. my mortgage was for 48k with formally prefferred mortgages now Oakwood. in the two yrs my rpayments has jumped fromt he initial 280pmnth to 328 and up to 357per month. I am now considering switching my mortgage to another company but have concerns to whether id…
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reclaim with mortage account
what can the bank do if u have a mortage account with them and i reclaim bank charges eny 1
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Endowment Policy about to Mature
My 30 year endowment policy is due to mature next month. I took it out with Commercial Union - now Norwich Union. What's the procedure? Will N.U. contact me or do I need to contact them? Will I need to send the Policy Document to them? Does anyone know what Terminal Bonus percenatage I can expect to receive or will this be…
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Let to Buy mortgages?? (trustees)
Hi I am struggling to find anything on the net regarding "let to buy" mortgages. Can anyone tell me who offer this product? The other issue relate to trustees This is my current situation, I live in flat which held in trusts who is my mother but I am the beneficiary The property is mortgage free and worth 450K, but I need…
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Can I have a tenancy-in-common arrangement but a seperate mortgage to my friend?
Hello, I am looking for a little bit of advice about buying a house with my friend. I would like to arrange my own mortgage and him arrange his and we can pool our money to buy a house, is this possible or do we have to have the same mortgage and just pay whatever share we decide? The thing is I really feel an Offset…
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Life Assurance - when is it not needed?
Dear all, I note in Martin's article on the subject that he says: Plus often they try and sell it to you, regardless of circumstances, and for those with no dependants, where money is tight it isn’t a priority and can be avoided. I'm a first-time buyer, in my late twenties, single, no dependents, and I will buy and live by…
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AAAAAH! missed payment muppetry!
Total Idiot Just looked at my accounts and realised I had my money in the wrong place and the mortgage payment didn't go through :eek: :mad: :mad: it was due to go out on the fifth, I'm going to go to the bank tomorrow morning with the cash. really really badly don't need a missed payment on my record Am I dead duck? has…
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mortgage help please
Can anyone help please, my daughter and her partner are looking for a mortgage. they have been to a mortgage broker who have looked at the whole of the market. best one was with northen rock, what i would like to know should they try another mortgage broker before accepting the offer from northen rock
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wanting to borrow more than they want to lend :(
Evening all. Quick question for you - do you know of anyone willing to lend nearly 5x a single salary? (4.9% to be precise) Before you shriek at the very idea, hear me out. I currently earn £11700, working in mortgage support. I'm paying out £633 per month on my mortgage (330), loan (213) and a couple of credit cards.…
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Mortgage Indemnity Fees
All Some time back i got charged around £3000 for an insurance policy to cover the mortgage company against loses in the event that i failed to pay of my mortgage. The policy was for the mortgage company only. How ever i did not recieve proper advice about this policy and it seems that it came to an end when i move to a…
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Agreement in Principal - to check credit
Hiya Bit of background - I am a first time buyer, looking to buy in the next couple of months. I got my credit report back from Equifax today, just wanted to check it before I start the proccees. Result not good, score of 332. My mortgage advisor looked at it and says there is nothing to worry about on it - just a couple…
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Question on Early Maturity Option on Standard Life Endowment
Has anyone with a SL endowment noticed or done anything about this? My SL endowment (16 years old out of a 25 year term) is likely to fail to meet the sum assured of £45000 and I've already claimed compensation. The original endowment paperwork (which it states is contractually binding) says the following: "At any time…
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Mortgage Exit Fee Lender Table
This discussion is to report changes, updates and errors to the Mortgage Exit Fee lender table in relation to the Mortgage Fees Article To report please click reply
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Flexi fixed
Just wondering what a Flexi Fixed mortgage is? Is it fixed or flexible???:confused:
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Advice needed; Buying a property - mortage is AIP and now Connells want to introduce
I need some advice as I think there could be more to it than the estate agent/mortgage advisor let on. I had my offer on a property accepted via Connells Estate Agents and as you may know they insist on getting you to come in to make the offer (with their mortgage advisor!!!) Now I have an existing mortgage with Nationwide…
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Advice please
We are trying to remortgage Our finances are as follows House valued at 169,000 Mort - £149000 Loan - 17000-unsecured loan - 19000 -Secured loan 13000 - Secured I am currently in Rented accom due to Job relocation to Cumbria My own property is being rented at the moment - In Hampshire Try as we could nobody seems to be…
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Repaying a little extra to reduce mortgage term
Hi folks I am not very wise in things money....but have won back my bank charges thanks to Martin and his chums at CAG (you should go there!)...anyway, my question is, does anyone know how I can calculate the reduction in weeks/months/years to my mortgage term if I pay a little extra each month on a voluntary basis?…
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Advice please
We are trying to remortgage Our finances are as follows House valued at 169,000 Mort - £149000 Loan - 17000-unsecured loan - 19000 -Secured loan 13000 - Secured I am currently in Rented accom due to Job relocation to Cumbria My own property is being rented at the moment - In Hampshire Try as we could nobody seems to be…
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Please help, should we get a bridging loan?
Hi all posting here aswell as house buying thread for some advice. We are FTB's part of a chain of 3, everything was going well til now! Everything is in place mortgage, searches surveys etc but my husband is leaving the RAF on april 16th with a large payout which we will use for our deposit £45000. Now our vendors have…
