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Endowment Policies
Hi Can Anyone Help I Have 2 Endowment Policies Which Will Finish Soon Unfortunately I Have Not Been Paying The Monthly Contributions Since 2003 Will I Still Be Able To Receive Cash From Them
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100% Mortgage advice???
http://www.scottishwidows.co.uk/bank...e_benefits.htm What do the financial guys on here reckon to this 100% mortgage? i was originally going to use Northern rock but interest is now 6.19% and 1k Fee for putting in place. This offer seems much better for 1st time buyer looking for 100% Anyone Used this company or offer any…
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ING refused my application - credit rating question
today i applied online for an ING flexible remortgage, it was refused in the end and said that it was due to a credit check from experian. i was surprised by this as i dont have any arrears or missed any payments in anything so i called up to ask what they thought the problem was and the guy siad it was down to the credit…
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Bedazzled in Bolton
Hi everyone your advice please, I am looking to buy a house with my girlfriend, we both earn £24,000 each she has a £300 a month car repayment but other than that we are solid. Looking to buy a house under £125k to avoid Stamp Duty, Would have around £5000 as a deposit and to cover fee's need to borrow the rest, what is…
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Buy to Let - Renting to Parents?
I currently have a buy to let property which I am considering letting to my parents (pensioners). I understand that a number of lenders (if not all!!) do not allow buy to let properties to be let to a close relative. Is this true or does anyone know of lenders that will consider this arrangement? I have also become aware…
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sell endownment?
We have an endowment policy ex royal ins (25 years-1986), now with phoenix, it is a with profits, with only 4+ years left on it. original mortgage £32000 with a £4000 top up in 1989. 3+ years ago changed mortgage to £25k repayment and £10k variable. should we sell the endowment? what should we do re life cover if we do…
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Need Mortgage Help?
My wife stays at home with the two kids and is 12 weeks pregnant. I'm on £13k a year and we have a loan for £19k. The loan ends in 2010. I have tried looking at the Northern Rock Altogether Mortgage but the most I can get a mortgage for is £30k. Is there anything at all I can do to but a house? The lowest house price here…
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mortgage questions?
hi, asking for my sister. She has been offered a self cert mortgage with mortgage express, neither of us has heard of them are they any good? It is fixed at 5.59% for 3 years then 2% above bank of england rate. Also she can make overpayments each month of up to but not more than the normal payment amount. If she does this…
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RTB Mortgage?
Hi I have applied to buy my council house the valuation being £185,000 less £34,000 being my discount. The question i have is i have a really bad credit rating can i still get a mortgage, the house next door sold for £265,000 in December last year, which would put about £100,000 of equity in the house so wouldnm't be 100%…
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CeMap 3 Specimen A Question
Puzzled by the answer tot his question...in short Advanced Fixed Rate CAT Mortgage of £76,000. Rate fixed for 3 yrs. If mortgage is redeemed at the end of year one what maximum total redemption charges if any appliies: A-None B-£760 C-£1520 D-£2280 I thought it was B as this is max 1% but answer says C, could somebody…
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Interest Only - is it ever a good idea?
I have around £40k equity sitting in a property which I rent out. I am currently renting myself and now want to buy a new house. I need to either sell the existing property, or release equity in it to get the deposit for the new place. The only reason for hanging onto the existing property is as a potential source of…
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Mortgage Advise
HI were looking to get back on the property ladder our total income is just in excess of 32k can we borry 3.5 or 4x our joint income??? :confused: can any one advise us cheers MB
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Witness signatures for completion - HELP!
I wonder if anyone has come across this before? We are in the process of moving our mortgage. The solicitor has written to us with a completion date and asked us to sign and get a witness for our signatures. The small print states that this witness may become liable for our mortgage debt if we default. I cannot think of…
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Advice Needed
Looking for a mortgage of around £275000 with a deposit of £75000 for a house costing £350000. Easy so far, now the problem bits. I have just finished my first year in business (Ltd co) with a profit of £100000 (£80000 after tax). I also have a default against me for £19000, it has been on my file for 5 years and goes back…
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buy to let mortgage
hi,, i have a house with a one account offset mortgage on it, at the moment am in credit by £1000. The house is worth approx £120,000. I have seen a flat up for sale for £75,000 what would be the best way to raise money to buy this. I am thinking of buying this to rent out. thanks in advance for your advice
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In Need Of Urgent Financial Advice in Glasgow Area
I'm currently in a Trust Deed and need to sell my house, does anyone know of a financial advisor who has dealings with Trust Deeds in the Glasgow area? Thanks
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do leaders alway ask for bank stats
just if they do then ill need to order them from my bank.
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working out 8 months difference on mortgages
Hi, I am in a bit of a quandry...my discounted rate is about to expire, i seem to have what look like better offers elswhere, the problem is where i have had advances on the mortgage in previous years i have ended up with 3 mortgage accounts although i only pay one monthly sum. the mortgages are detailed below. The better…
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Help with an insurance policy
My boyfriend has had a ten year life insurance (endowment) policy. The problem is that his wife was the policy holder but it was his life that was insured. He paid this money each month for 10 years and now the ten years is up. With his wife being the policy holder, they've said that all they can do is wait for her to sign…
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Morgage advice for people who have become ill
I was just wondering if it is possible to switch from 1 morgage company to another as i had 2 operaitions on my arm and they both failed can i goto another company to lower my rate i pay back as i may be forced into unemployment ?? i owe about 24g on my house at the moment :confused:
