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I think First Direct are over-charging my daily interest!
Hi, when I first thought about getting an offset mortgage, I made a simple excel sheet to work out if it would be beneficial. For the calculations, I made some estimations, and literally added the daily interest every day. 3 years later, and my tracker deal is coming to the end. I've revisited my spreadsheet, and input all…
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Mortgage Application - ID Query
Hi, we're in the process of putting through a mortgage application but my wife has not utility bills with her name on at our current address. Does anyone know what would be an acceptable alternative? She has older letters from around 12 months ago for credit card and loans, but we paid them off so don't receive anything…
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Nationwide Overpayment reserve?
Hi Quick question, i'm currently with Nationwide on one of their fixed products, where you can overpay £500 each month. Done this for a while now and notice it seems to go in a pot as an overpayment reserve. Presumably this gets knocked over the overall mortgage amount? Think it's approx about £6k ish. Cheers
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Remortgage/Valuation issue
I've just applied to remortgage with ING. Think that might have been my first mistake and the Woolwich might have been a better bet with their lifetime tracker. Done now so will just have to live with it and be prepared to remortgage again soon if ING's rates go up drastically. I take it you can remortgage as soon as you…
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Mortgage and Divorce ....
Me and the OH are seperating and i have allowed her to transfer the mortgage to her name and keep the equity i have accrued in the house til my daughter turns 16 in 8yrs time. She is going to a solicitor to get the documents arranged (this is all amicable) I want to know if legally this equity money should be earning…
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Shared ownership
Any recommendations ? Looking to buy 50% share in flat with local housing asscoiation Have been offered a normal mortgage above the amount i want but need to know who to go to if they dont do shared ownership Thanks in advance
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Repossession 1994 - Court 2007 - Help
Hi Any help on the below would be appreciated. In 1994 due to the collapse of my 1st marriage myself and my exwife got our house voluntary repossessed. Although we had paid a mortgage indemnity guarantee, their was a shortfall of 18724 pounds between the ammount borrowed (28000 pounds) and the resale value of the property…
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Missold Endowment
Hi, my uncle has been writing to the co that missold him his endowment, or so he is claiming anyway. They have come back now and say they believe he was missold it, but have no info to back this up so require answers to some more questions to work out how much compensation is due to him, so they say. Should he answer these…
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Credit scores and Mortgages
Has anyone any idea if there are any mortgages to be obtained for someone who has a credit score of 725!! Thanks
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The less you earn the more you pay???
I’ve just been playing round with the mortgage search engine on moneysupermarket.com and it would appear that if I earned an extra %k I’d be eligible for cheaper mortgage products. The only detail I change is my salary (up it 5k to 25k) and seemingly my current provider (Northern Rock) will offer me a product which is £100…
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buy to let mortgage
my wife and I are currently looking at buying a property with a view to letting it out. We earn around £70K and currently live, courtesy of an HM Forces married quarter very cheaply. We are just about to pay off our existing debts and therefore have no savings. We would be able to scrape together a deposit of around £10K.…
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whats the best tracker deals with low or no fees
hi im looking to remortgage and looking for a 2 yr TRACKER DEAL, my current lender abbey is not offering me anything worth staying for the best tracker deal i can see so far is alliance and leicester 'fee saver' a starting rate of 5.49% for 2 years, no fees, and £250 cashback or use there mortgage transfer service. will i…
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Which mortgage best to overpay on?
Hi All, looking for a bit of a steer here... I have 3 mortgages with the Nationwide (all same property). This works quite well as I can overpay up to £500 on any or all of them every month should I want to (and of course if I ever have the funds to do so! :D ) The Mortages are as follows: 1) £47,000 - fixed at 4.89% until…
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Should we get 100% mortgage?
Would really appreciate any advice we can get! My boyfriend and I are ready to buy, especially as we no longer wish to continue our rental contract next year. we both have good jobs, but I have just finished paying off my debts and my boyfriend still has student debts and is throwing everything bit of spare cash he can at…
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Britannia Fixed rate Help
Ive rang Britannia and they said it could take up to 48 hours for a return phone call because they are busy :rolleyes: Im looking at getting a fixed rate from Britannia as i think they seem to be the cheapest for me ? I owe £50k on my existing mortgage and want to borrow another £10k to make it £60k in total There are 3…
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PAY or NOT Nationwide
Should I pay off my mortgage with Nationwide or not? It is only just over £8,000. Will they go Public and if they do would I benefit if I had a mortgage still with them?
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Legal and General pre 1988 endowment churning claim-Help!!!
Can any one help? We have been trying to place a claim through the FSA and ombudsman but have been told that our only option is to sue the financial advisor concerned. Details are as follows: 1. endowment was taken out with legal and general pre 1988. 2. endowment was sold by a Legal and General agent. 3. advising company…
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to late?
I have sent a letter to complain about being mis-sold an Endowment policy, but have been told I am time-barred. Is it too late, or is it worth writing again to explain why I havent made a claim earlier?
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First Time Buyer
First time buyers and we can't even get on the Property Ladder because the cost of the homes these days. We can't even afford a mortgage!!
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Mortgage Redemption Fee (Unfair Situation)
Hello, I have been split up with my partner for aprox 12 months now, we have a joint mortgage with 4 years left on the tie in term. My partner never contributed to the mortgage she was just on it for convenience. My partner has agreed to sign over her equity but I contacted my lender ( nationwide) and they said they cant…
