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Mortgage refusal on credit file?
If I'm refused a Mortgage or any other credit, would it leave refusal note on my credit file :confused:
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I am eligable for fees reimbursement
A few years ago we changed our mortgage deal but stayed with the same lender, are we still eligable for a reimbursement of the £250 'admin fee' we paid even though we haven't changed lenders? thanks Jill
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Financial advisor?
Hi My boyfriend and I have finally managed to get ourselves sorted out finacially - well, we're well on our way. Should have paid off the last of the credit card debt of 10k we built up by April. We are planning on building up a few thousand over the next 6 months and trying to get a mortgage to get our first place. The…
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Nationwide "semi-flexible" loop-hole
This may have been widely discussed here before, but it is a new discovery for me. As a longstanding Nationwide mortgage holder, I have tended to move from one 2-year deal to the next, taking the best tracker or fixed rate each time and using the roll-over point to make a net redemption without incurring early repayment…
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Any good deals around for a remortgage?
My 2-yr fixed rate is abt to expire and I need to remortgage - anyone recommend any good brokers, I used London & Country b4 but they seem to be dragging their heels and I thought "at a good excuse to shop around more" Many tks ;)
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Self Build Mortgages
Hello All!!! Does anyone know of any good self build mortgages around at the moment? I don't have to purchase land as I already own it and have have £45k to put down as a deposit towards the total cost of build being around £180k. Just wondered if anyone had any advice on self build mortgages suitable for myself. Many…
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Help needed.Does anyone know any fees free deals who take maintenance into account?
Hi need some extra borrowing pretty sharpish. I only earn 6300pa therefore this limits the amount I can borrow but also get 3600 pa maintenance. Tried nationwide but they would not take the maintenance into account. I owe 32.5k. I know I wont be able to borrow much extra but was hoping I could get at least an extra 5k on…
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Nationwide
I have been looking at the Nationwide too and found it very good. To get an agreement in principle it says it will credit check. We know between two properties which one we want Couple of questions - we are sure this is the product we want so not worried about the search, but can it be withdrawn for any reason. Will they…
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Mortgage Transfer
My son became divorced Jan 07. He's moved out of the matrimonial home, he and his ex were sharing the mortgage payment, until she was advised not to by her solicitor, and didn't pay her share of Nov, Dec and Jan, however, the mortgage repayments are now up to date. During this time, the two had agreed that her name should…
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Car allowance
Does anyone know of a mortgage company that will take car allowance into the income multiplers?
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changing to buy to let
I have two properties, my main house which has a very small mortgage and I also have a flat which I rent out. The flat has an LTV of approximately 50% I want to remortgage the flat to release some funds for improvements to my main house and to put things in order as I have been renting the flat for ten years and I have…
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5.5 high multiple
I earn £27689 a year . This goes upto £28633 beginning of april. I am looking for a mortgage of 5 and half times my salary . I have 3 loans egg £3771 end 01/10/09 cahoot £4661 end 01/10/09 A&L £8500 end 01/04/2011. Could anyone please advice. I do have enough in my saving to pay the egg one off if this helps. I currently…
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Need a high multiple re-mortgage
Hello! Someone on this board helped us get a mortgage almost 2 years ago. We will be coming to the end of the 2 year tie-in period in June so are now looking at remortgaging. We need a 4x salary borrowing @ 72% of the value of the property. Preferably with the ability to make overpayments. We are currently with Abbey. Both…
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Euro mortgages
We have a house in the UK with a UK mortgage with the Halifax and a house in France with no mortgage. We would like to reduce our mortgage repayments and are considering looking into taking out a euro mortgage on the house in France because of lower interest rates in Europe. We work in the UK and our salary is paid in…
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Standard Life considers £1bn boost to with-profits policyholders - has it happened?
Standard Life are considering paying out surpluses to policy holders (see below)! Is this true? My policy matured on the 20th March 2007, so will I lose out if it happens? Surely, some of surpluses were accumulated whilst I had the policy, so I hope i'll get something out of it, especially given I had a shortfall on the…
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Looking for a mortgage with LTV based on valuation NOT purchase price
Is there such a mortgage that is based on the valuation of the property and NOT the purchase price? It seems that all the providers say they take the lower of the two. I purchased my property in November and have added around £10k worth to it, and with the (small) growth in the market, my LTV should be a bit better.
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Selling Endowment Policy?
Wondered if anyone could give me any advice about the possibility of selling an Endowment Policy on to a company rather than surrendering it. Have seen companies advertising the possibility of a higher return than the surrender value. All ideas much appreciated :D
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Surrender endowment policies now ?
I have two standard life policies to cover my mortgage - one maturing Oct 08 and the other Feb 2010. The balance on my mortgage is £25.5K which needs to be repaid in 2010. The surrender values of these policies today is £21k (a difference of £4.5K between surrender values and what I owe). The cost to keep these policies…
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recommend a fees free independent Mortgage glasgow
Could anyone recommend a fees free independent Mortgage Adviser in or around Glasgow they’ve used? Cheers
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Endowment maturing later this year
I have an old Royal Life policy with a maturity date end of November. I've just received my "Green letter" from Phoenix which shows that the final amount for 3.25% 4% and 5% to be identical and therefore the amount I should receive at that date. Am I correct?
