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Offset Mortgage
I have an offset mortgage which still has 20 years to run and want to pay additional amounts each month. Are there any sites/calculator tools out there that I can plug some numbers into to see the overall affect on various permutations? Thanks
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Pay off credit card in full each month - mortgage questionnaire
Do we need to put the credit card balance on the mortgage questionaire? Even though it gets paid in full each month?? Thanks
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Consent to let charge increase - any advice please
I own a small terraced property which I have been renting out for the past 6 years. My mortgage is with the Alliance & Leicester and until now they have granted consent to let on a 3-yearly basis, the last fee being £125.00 3 years ago. I have just received a letter from them informing me that a maximum of 1 year consent…
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Which lenders will do 4.9 times joint income?
Loan to value needed is only 30%. Does this even matter?
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Alliance & Leicester Mortgage compulsory £25 charge added onto mortgage
We are just remortgaging with Alliance and Leicester and in the ''print'' it states that there will be a £25 charge added to the loan amount if we do not take out their buildings insurance. This means that over the next 2 years or maybe longer we are paying interest on the £25. We were not given the choice to pay it as a…
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mortage help please
we seems to be having trouble selling our flat, mainly cos people our buyers go to dont mortgage on ex local authority flats, its a maisonetee ie 2 stories high, any one know of mortgage companys that will lend on this ??:mad:
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Mortgages For Ex Local Authority Flats
we seems to be having trouble selling our flat, mainly cos people our buyers go to dont mortgage on ex local authority flats, its a maisonetee ie 2 stories high, any one know of mortgage companys that will lend on this ??:mad:
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Fixed rate Mortgage just ending, where to now?
My Fixed Rate Mortgage is just finishing(June) and the original Brokers have contacted me to advise I should leave Bristol and West whom it is with as their Rate will incerase, and get a new Mortgage lender. They advise the Abbey as it has a good fixed rate, free legals and valuation, although the set up cost is still…
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Anybody had any dealings with the Bristol & West?
When we decided to move home in 2005 we ported our mortgage with the Bristol & West as in their words "it would save time, money & hassle". Although it was stated in their blurb that we would have to complete and re-start our mortgage on the same day or we would have to pay a five per cent penalty charge we applied in…
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Standard Life Endowment Promise - Help
Hi Some help required please. I have a Standard Life Endowment Policy. I'm in the process of a misselling complaint - but I have a secondary related issue and am wondering if anyone else has had a similar problem. My policy was taken out in Jul 1990 & runs until Jul 2015 In feb 2000 SL wrote to my advising of a potential…
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Looking for a little advice...
I've been a lurker on this forum for a long time and its been extremely helpful. Just wondering if anyone could advise on my situation. Obviously i'll be consulting a broker but just looking for some initial advice if anyone can help! I'm in my early 20s, FTB, no debt whatsoever and clean credit history. I am director of…
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mortgage question
I have just applied for a mortgage with my Partner, he is on £2300 and i am on £20500. We have been offfered the amount we want loan. The thing is i have a £8000 loan which is £233 a month and a credit card with £1000 on. I have worked out my finances and i can still afford the mortgage no problem, my partner does not know…
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Residential mortgage - posted overseas
We are in the process of buying a new flat in London. We have an existing mortgage on our current flat (which we are selling) with Nationwide and have a mortgage offer (a standard residential mortgage) for the new flat - LTV of about 63%. We're quite close to completing the purchase. My company has just informed me that I…
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Exit Fees
I am about to pay off my mortgage and it does state on the contract that there are exit fees, etc. now reading the table posting on here about charges in 2001 compared to now, it is a difference!! I dont really want to pay it then claim it back, so is there anyway I can just say NO from the start??? Cheers!
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Advice on Mortgage
Hi everyone, (sorry its long) I was wondering if anyone can give me some advice about a mortgage. We currently have a mortgage with Halifax for £90,000. We have decided to move to somewhere a bit bigger as family is expanding. We wanted a mortgage for £112,000 for a house worth £150,000 (75% mortgage). We phoned Bristol…
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TEP - Traded in endowment policy value
I am now considering cashing in my endowment, as Friends Provident don't even seem to be beating the low of the market with their endowment, so there is no real benefit to not cashing in at the moment. I am looking at TEP, and getting a quote from APMM at http://www.apmm.org/selling.asp, is there somewhere else I could go…
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Long Term Mortgage, more than 31 years?
Are there any providers that will give you a long term mortgage. Current provider offered 31 years. I am 32, hubby is 34. Anywhere that does longer? Would probably change it in about 5 years time and reduce the term, just right now could do with it over a long long time! Thanks
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Advice on "The oneaccount"
Hi, This is my first post on the forum so I hope it's in the right place! If not i'm sure the more technical out there can move it for me. Seen the ads recently for the "one account" and wondered if anyone out there had any views/advice or experience which they could share. I have had a search but couldn't seem to find it…
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Mortgage Assistance
Hi guys, newbie so be kind. ;) Last week I had my "lightbulb moment" and told my GF of the crippling unsecured debt I have. We are currently in negotiations for a house and need a mortgage asap. We have agreed that it would be best to put the mortgage in her name only until I can sort myself out. The problem comes though…
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Stamp duty threshold
Hi guys! Wish i'd found this site a couple of weeks ago but c'est la vie! Anyway i was looking for a little advice on stamp duty...basically i made a number of offers on a property which was priced at £129,950, my final offer was £124,700 but it was rejected, anyhow i left it at that and decided to look for a different…
