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Arrears charges - letters, phone calls etc
Hi I have been in arrears on my mortgage with the Halifax on and off for a couple of years. I do my very best to maintain when I can. As the amount in arrears seems to go up with alarming regularity, even tho I keep paying, I suspect I am being charged per phone call and letter they issue. Their smallest charge is £35.00.…
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A Warning to all regulars on this board
I'm annoyed at some of the threads I've read. I am going to start getting tough soon with people taking threads off track. If someone comes in to ask a question about a mortgage, I love discussion over it. Yet more and more of those threads will deteriorate into "pro and anti mortgage broker" discussions. Of course, the…
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Stamp Duty Threshold Dodge?
Can anyone tell me if this is possible and if anyone has done it?? I am trying to purchase a house which is just over the stamp duty threshold, I was trying to get the price down so to avoid the stamp duty. The Vendor doesnt want to drop that much and has suggested that a friend of his listed the garage for sale seperately…
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mortgage/ additional loan
i currently have a property worth £240000 and a mortgage of £133000,i would like to borrow another £25000 to do some home improvements and pay some debts off.my credit rating is not very good ,not through non payments but because of all the debt on credit cards.do you think i will get the loan applied for??total household…
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MEAF Advice please
I have just read the article on MEAFs and want to know if I contact my current mortgage supplier or do I contact the provider I left 5 years ago. Also is it worth while me doing it? I am currently with HSBC and left Skipton.
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Whats my chances?
Hi, I currently earn £17,000 and also have a business on the side (partnership - not got any proof of earnings from it yet though). I have a degree and have a very good credit rating. My wife earns £11,000 however is on a marriage visa and will not recieve "indefinate leave to remain" untill November this year. We…
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charges for bounced direct debits
Bank behaved badly took away my overdraft without notification.Although I could prove that money was coming in on regular basis,they refused to reinstate overdraft and bounced everything coming their way.Mortgage company then charged £35 for the letter informing me of this.It happened on a regular basis until I got on…
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When to transfer money
Hello I want to pay extra on my mortgage but I can only pay £500 per calender month. I have a savings account and mortgage with Nationwide, Nationwide say that paying from my savings account to my mortgage will take two days so my question is - do I wait until the 1st May to transfer the money or can I do it now? Thanks in…
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exteding my lease
Sorry, this is in the wrong place Hi there I'm selling my flat and because the lease is 81 years, I'm looking into how much it'll cost to extend it. My VERY DODGY freeholder's agents are asking for £300 to just answer the question about how much it will cost and then they will put it to the freeholder. A red flag went up…
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found a house
the house is up for 157950. We want to offer 150000 to start as it needs a lot of decoration done. We don't already have a mortgage. But how can you get one if you don't know how much your going to spend?
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Use a specialist broker?
I am an IT contractor, over 3.5 years of constant contracts, self employed with own ltd company for 7 months, prior to that 3 years operating using an umbrella company. A++ credit and a 10% deposit. I am wondering whether I need to use a specialist contractor broker. There are a number on the web who all warn that…
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Standard Valuation or home buyers report
Hello thanks to everyone for all the help they give, finally decided to plump for a nationwide 5 year fixed mortgage, just one question they offer two choices a standard valuation or a home buyers report, which one would you plump for? and what are the differences between the two? Home buyer £540 standard valuation is £340…
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Fee Free Whole Of Market Help Needed
Hi Very new to this so please be patient! I have recently accepted an offer on my house and have found one I am interested in - have never sold and purchased before so need some help. How do I find a fee free whole of market mortgage advisor - have looked in yellow pages, local press etc and cant seem to find one? Thanks
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Refund of a High Loan to Value Fee?
My wife and I arranged our first time mortgage with Abbey National almost 6 years ago. As we were borrowing 95% of the value of the house we were charged £1280 fee for the above and this was added onto our mortgage. At the time we thought this was the norm but obviously we now know this is not the case!! We have been with…
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Mortgage/Financial Advisor
Hi At the risk of a massive rebuke from all the gifted professionals who partake in MSE's forums.. My questions consist of the following: 1. Is it worth my while aspiring to become a part time IFA/MA? I am employed FT as a Project Manager but have a keen interest in all things financial. I have helped quite a few of my…
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Query about Repaying Mortgage and Loan
Have trawelled through lots of threads but can't find anything specifically answers my queries. So apologies if these questions have been asked before. My partner has recieved enough money to repay his mortgage and loan. However this money came unexpectedly and due to him being tied into his mortgage until 2011 he will be…
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First Time Buyer
Hi Everybody. I am in the process of buying my one bedroom council flat. North Lanarkshire Council The council have had it independently valued at £45000, and with my discount, i can purchase the flat for £16200. I have literally just had this letter within the last 2days. I have 8 weeks to accept this offer, & have an…
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sub prime mortgages...
any1 know of any lenders that would remortgage my property worth 110000, for its current mortgage i owe of 78000 but let me keep my secured loan seperate??? would have to be a bad credit remortgage as i have missed payments in last 12 months thanks
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Rooftop Mortgages.
Evening all, Can anyone give me any info about a company "Roof top mortgages" , I have had a look on there site and it looks like they are only accessable via a IFA, Im not interested in a mortgage through them more the opposite, I have been to view a repo and they were one of the lenders with a charge against the…
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Remortgage
Any of you been in same boat as me? in past 12 months i have 1 missed mortgage payment and 3 missed secure loan payments, this shows up on my credit file. are my remortgage options limited, ive been offered a 90ltv with beacon homeloans but have to pay 4 grand in all fees, broker fees and setting up costs. any1 know of…
