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newbie question about remortgage
Hello, I am moving my mortgage to Ing direct. But suddenly I have a question just pop up my head. When I applied for remortgage, I don't really know the exact number of the loan I needed but I can remember it should be around 90000£, so I filled 90000£ in. The requestion is what if I only owe 89000£ in the mortgage? Where…
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Remortage Advice
Hi, I am a newby in all this :confused: and I would be grateful for any advice/tips. Scenerio is my mother aged 61, bought a rtb council flat for 90K. She currently has a 34K Abbey 10 yr interest only 2 yr tracker discount mortgage. current Interest rate 4.79% taken out in May 2006. Property is currently worth 300K and she…
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difficult mortgage situation
i am basically looking for a mortgage for an ex-council concrete flat situated on the 7th and 8th floor of 14 floor building, it was purchased under RTB in July 2004. it has a 70K mort. and is currently valued around 200K. i have a mort with an high street bank that ends April 2007. i was hoping to raise some equity around…
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Help!!! First Time Buyer not having any luck with Mortgage!!
Help!!! I am a first time buyer looking to purchase a property with my partner. The property is valued at £159,950, its a new build. We have a deposit of £35k and I have managed to negotiate a 5% deposit from the builder (strata), but I seem to be having difficulty boring the remaining £116,950. I am using a mortgage…
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lifetime mortgage
hi can anyone advise me about lifetime mortgages, my partner is 62 and im 47. we have a mortgage owing of 14,000 and a secured loan of 23000 and 7 yrs for both these to end, we have other debts upto about 5000 we both work but struggle every week to make ends meet,the house is worth about 99,950 i dont want to struggle for…
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advantage mortgages
any1 had a mortgage with?and are they any good
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Help please,life assurance & critical illness
Hi I have spoken to London & country who have advised the best mortgage deal for me is a 3 year fixed rate on a 70k mortgage over 25 years. This works out at 5.29% with a monthly payment of 424.88. Do you think this sounds ok, it is with the Alliance & Leicester with a £599 fee. The homebuyers report I said is the middle…
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Endowment Compensation Rejection
My husband and I have made a claim recently but have been told we are out of time. The Insurance Company sent me copies of letters that they say were sent to my husband and I in 2003 and 2005 (Royal Life) - we never received the letters. I wrote back stating this and said we did not realise our endowment could have a…
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vender deposit
any1 hired of these kind of mortgages?
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do you accept the first compensation offer?
Hello all some advice if i may. 25 year £40,000 endowment, taken out in 1991 I have just received a letter from Prudential after making a claim for compensation offering £2650. Is this figure about right? Do you accept the first offer? Or is it calculated against a known table of figures and you get what you get. Thanks…
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best way to pay a euro mortgage??
Hi i work inthe uk but will be moving in with my girlfriend in ireland and buying a house. has anyone any idea on the best way to transfer money each month from a uk bank account to an irish one?? thanks in advance for any help
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Retention figure query
Hi all, We are about to apply for a further advance on our property ... my question is If the valuation says for instance £70,000 in present condition and £85,000 after essential repairs and advise retention of £15,000. Will the bank use 7£0,000 or £85,000 as the actual valuation for lending? i.e. will we get advanced up…
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??help??
:confused: this may sound stupid, but i need some advice. We have 2 remortgages on top of our original mortgage on our property and i was wondering if we could put them altogether to save on the intrest, my partner is not too keen as its a "faf" and he says we wont save that much and its not worth it. the house is worth…
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1st time buyer update
as i mentioend yesterday im in process of sorting mortgage out for me and my boyf, mortgahe in just his name as i have defaults. Currently on average he earns up to £500 per week on his full time job plus an extra £4-500 pound on a part time ish job , northern rock will be applying for refs however is full time job just…
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Interest Rates Frozen
Interest rates frozen for second time at 5.25 promting that they may rise next month. Didnt we hear exactly the same for this month?! :confused:
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21 Days to sign and reply - quick question!!
Hi, I had a mortgage offer / valuation report sent to me on the 29th March. I have 21 days from this date to sign and return it. Today, I've finally found time to sit down and read through it. There is an error on the valuation report. I rang the lenders and they will be sending out another copy with the correction. I'm…
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IFAs "over-cautious" on With profits surrenders
Providers do not give IFAs suitable training and relevant information to enable them to give advice on with-profits, according to the Association of IFAs...The research of 564 adviser firms reveals the general nervousness of advising in an area which has been the subject of much adverse comment has resulted in many…
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2nd Time Buyers
Any advice/opinions appreciated here. Myself and OH bought through SO four years ago. We would really like to move on later this year/early next, and would need to borrow ideally £180 - 200k. We have some equity, we think our share, plus what we have paid off the mortgage and the deposit we originally put down will leave…
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http://www.endowmentbroker.com/
I have been trying to sell my endowment through loads of different endowment surrender companies and have had various offers. offers ranging from £200 more to £1600 more than the surrender value (£6495) (I have discounted Integrity as I know that they are con merchants) The latest offer has com from…
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Should I use the same solicitor as person I'm buying from??
Please can you help? Trying to decide today if to sign up with same solicitor, Contry Wide, based with estate agent Beresford Adams. I'm part exing my house with one I'm buying.. so would it flow easier to use same solicitor.. or would problems get scimmed over!! Thanks for any help
