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CIS Table A (Endowment)
Does any1 out there in MSE land know much about the CIS table A policy. I have 2 of these under performing policies, the 1st of which I took out when i was only 17yrs. I was expecting a maturity pay day of 87000+ when it matures in 2012 (25yrs paid in). I have since been told by a CIS financial agent that I will be lucky…
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Shared Equity; Any Recommended Companies Etc.?
My girlfriend and I are both Uni graduates with student loans (currently deffered due to income) looking for a shared equity property in nottinghamshire. Does anyone know of good, reliable organisation/private groups who offer this scheme in our area, we have applied via the East Midland Housing but we could do with a few…
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cemap3 exam paper
hi folks, Currently undergoing studies for my CEMAP module 3 and was wondering if any one has past exam papers for this module. I have one paper which is the SPECIMEN PAPER A and would be extremely grateful for any others which could be sent by email. Thanks. ps There's one question im stuck on: Luke and jessica would like…
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Valuation
How does the booking in of a valuation survey work? We're just having the valuation done by the lender, we will be arranging own full structural. Once our application goes in, if all is ok will the lender's valuer contact EA to organise a time to go to house and value? Will our IFA be informed?
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is this a good mortgage rate/deal?
hI GUYS DO YOU THINK i SHOULD GO FOR A 5 YEAR fixed deal at 5.44% with an application fee of £499 which can be added to the loan, with a monthly overpayment limit of £500. With free legal work and free valuation?
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Additional Borrowing
Looking at buying mother-in-laws rented property as current owners have to sell. She has been offered a good price as they want to offer to current tenants first etc (plus hard to sell elsewhere with tenancy agreement, sitting tenants!!) MIL and husband would stay on as tenants paying rent. Agreement will be put in place.…
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First time buyers...one person with bad credit... help
Hi, My partner and I want to buy our first home this year. However my credit rating is awful and I am un-likely to get a mortgage until July/August. My partner already has a mortgage offer so it's looking ever more likely that he will be buying the house alone.. Do joint mortgages exist for couples in this situation or is…
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Do you think I will be able to move?
Hello - hopefully you will be able to help me. I currently have some financial problems, including three CCJ and a number of defaults on loans. This is due to my partner losing his job last year and money being very tight. We are now slightly more sorted out and have repayment plans organised. We would like to move house…
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Mortgage advice on rental income (application)
Hi need advice? This is my situation: I am currently on a salary of 35k and I am looking to borrow 210k. (with no other outstanding debts and have 20k deposit). I can only assume no lender would lend this much on that basis. The problem is I would like to include potential rental income from my existing property (mortgage…
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1st Time Buyer !! HELP RE MORTGAGE XX
Hi guys im new to all this but really wud like sum advgise cos im getting well stressed. 1stly, mortgage is due to be in my boyfs name, who up until recently was self employed, now he is in full time employment on price work as a joiner, he;s been at new job 9 days, but the figure we gave mortgage peeps was 26k, which we…
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Can I ask you a question?
Hi all Any advice, thoughts or past experiences, muchly appreciated! Me and my OH visited the Britannia BS at the weekend to enquire about a mortgage, I didn't want to be credit checked that day because I have recently paid off 3 accounts and wanted this to be reflected on my file. So, we are going back next week on…
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Self Cert
Hi I moved house just over a year ago on a self cert 2 year fixed with HBOS. The fixed interest rate will revert back to SVR in January 2008. I found the mortgage through a broker originally at an 80% LTV. Very soon after I moved my circumstances changed and I'm now earning under half of what I was when I applied, if I…
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should we make a top-up payment to our mortgage?
My partner and I have some money saved up which we would like to invest, and we wondered whether using it to top up our repayment mortgage would be a good idea or not. Basically, our current interest rate is 4.79 fixed rate until July 2008, and after that it may well be higher. We were thinking that by making an extra…
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Quick question...
I remortgaged yesterday. A dd has come out of my bank today for the full mortgage payment to the old mortgage. Will they refund some of this as I assume you pay a month in advance? I know about the payment to the new lender being larger at first so hoping I will get some of this back to recoup my losses!
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Reservation fees
I've just been looking at Nationwide mortgages. I always keep an eye on them as they are who I am with and my fixed rate is up next April. I have all my accounts with them and have done so for years, so is something like what is below good for me, ie. no reservation fee. Does any other banks do this? Is this likely to be a…
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Do not use London and Country Mortgage Brokers
Just thought I would warn folks about these bunch of cowboys. Am currently using them and they are the worst service providers I have ever come across. They are extremely slow, constantly make stupid errors and NEVER reply to emails or pick up the phone once you have an AIP. They are good when it comes to getting new…
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excessive arrangement fees
A little while ago there were threads on these fees. I seened to be out of tune with most of the other brokers who didnt share my view that it was unethical and nearly impossible to compare mortgages for the client with these fees. This has appeared in the authoritive mortgage strategy magazine. I wonder how long before…
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How will this affect a mortgage app?
I got a call from RBS last week saying that I had defaulted on my current account and owed them £530. This was quite a surprise as I haven't touched my RBS account for about 5 years. It turns out that my account was changed to a royalties gold account about 2 years ago and therefore a £12 monthly charge (and subsequent non…
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Changing Mortgage payment dates
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Will I Be Able To Get A Morgage?
Hi I wonder if anyone can give me any advice please. Will I be able to get a new mortgage? I have a very small mortgage with Abbey National which is currently being paid by benefits. I now want to move house and come off benefits and get a larger mortgage however I have no proof of income although it will not be a problem…
