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Mortgage and Endowment stress. Help!!
rewrote this thread to make it clearer.
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Is This Possible???
hello to all, I would really like some advise on this matter from any one out there. I appologise in advance if I dont use the right terminology as I am new to mortgages etc.. I have a mortgage offer with a lender. property I am buying is £213,000 mortgage offer £186,761 (they took mine and partners student loan in…
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Abbey £790 letting fee - help!
We recently contacted the Abbey to ask for permission to rent out our house. They replied, saying that 'as valued customers' (of 7 months!) we would not have to change to a buy to let mortgage, but pay a one off fee of £790. It does state in the terms and conditions that this is non refundable. Our circumstances have now…
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Overcharged on Monthly DD By Mortgage Lender
I have just found out from questioning my lender about my annual mortgage statement that they have been charging me too much each month for approximately 10 years! They set up two DD from my bank account one for the mortgage + buildings insurance and another one for the buildings insurance. They have apologised but as I…
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Late payment mortgage charges
Would l be able to claim back charges .Sometimes l have paid my mortgage late and they have sent me a letter. letting me know they have charged me 25.00.On my mortgage statement summary it says Fees Interest payments on my fees it says 454.oo dose that mean l can claim them back.Can any one let me know many thanks .
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Totally confussed first time buyer!
Me and my girlfriend have found a house for £64000, we have a deposit upto £10000. We have done a halifax mortgage promise, they have offered us £75000, so there are no problems there. We think we will go for one of the halifax first time buyers mortgages! they seem to be the simplest to setup. Is this a wise move? are…
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mortgage moving
Hi. I am changing mortgage company because my mortgage has gone up and a mortgage advisor has found us a better deal. My current mortgage has a tie in for 5yrs and will cost £5000 to change. This is a very high fee as you can see. Is there a way around this fee? I am changing from a intrest only to a repayment. I have had…
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Can a loss on a BTL property be offset against income from working?
Actually, the title says it all. I think I will make a slight loss on my rented out property this year as I had a void period. Can this be offset against my income tax from my job? Or can I carry it forward to next year and if so how? Thanks! Jen
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How do you calculate which part of the mortgage repayment is interest?
I'd like to calculate how much of my loans and mortgage repayments are interest each month and how much are actually repayments? Is there a way of doing this? I've searched on google, but the mortgage repayment calculators just tell you your total repayment and don't show you how the repayment part increases over time as…
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Free J2ME Mobile phone mortgage/loan calculator, how much interest is paid
Ever wondered exactly what the mortgage you are about to take out actually costs you, how would it be effected by just a 0.25% increase in interest rates, well I was and decided to write an application for my phone! I have made it freely available via my blog for those that are also interested and wish to have an…
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Advice should we RTB or not and could we get a 20yr mortgage?
Hi there have been reading on here for a few weeks in the hope of getting some advice and have got loads of info but we are not sure if we would be mad or not to buy our Council House...some advice would be very welcome:o Husband is 55 this year and in July will start to get a £13,000 a year (index linked) pension on top…
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Mortgages 'Agreed in Principle'
Could any of our resident financial advisers or mortgage brokers clarify something for me? I understood that before starting to look for a property you could go to a mortgage lender, give them the financial and other details they asked for and they would agree a mortgage 'in principle' (Some of them call it a 'mortgage…
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advice wanted on getting mortgage with bad credit
hi would value some advice. I've got a poor credit rating - I've got about £30k of debt and I'm currently using a debt management company (overall I'm paying £600 a month to repay debts). My salary is £40k a year and I get about £5k bonus I want to get a mortgage. Can anyone advise the best route to go to get advice? I'd…
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Monthly payments for a re-mortgage
Hi, We currently have a fixed rate that expires on 31/05/07 and am looking at transferring it to Nationwide. Natiowide's illustration has a section titled 'Interest Charged in month of advance, payable with first full monthly payment £391.73' what does this cover? If my old mortgage finishes on 31/05 will my last payment…
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retention - what is it and how does it work
Basically folks as the question says. My mortgage lender has said they will be holding some retention on my mortgage, due to damp and other problems. I just wondered how long they will hold for and what difference it will make to your payments,?? thanks
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Deed of Consent and Charge question
deleted thread
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Help - advice wanted on how to finance the purchase of a second property.
Hi, Please go easy on me, I'm new to this and this is my first post! I have recently been toying with the idea of buying another house but have no idea of how to go about doing it, let alone if I can actually afford it. :confused: The reason for not actually knowing if I can afford it is that I would need to use the equity…
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Credit check - just a quick one
To all you helpful lovely people out there. When you have a credit check, does it include things like payment of utilities, rent etc. or is it purely credit commitments, credit cards, loans, store cards, mobile phones etc?
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funding land question
we want to move and i'm just throwing ideas in the air in the hope that one of them might actually be doable. :D if i found a small bit of land that cost the same as what my (mortgage free)house was valued at (just for arguments sake) how could i fund buying it? then if i bought it, how could i fund building a kit house on…
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Endowment claims
Is a building society regarded as an independent adviser when it comes to mis-sold endowment mortgages? Help please.
