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Advice needed please..
Right here goes, I have the opportunity to buy my mothers council home for a decent price and there are other family members also who are also interested in doing so. Now I have thought of splitting the total amount needed to buy the house and add on £10,00 for home improvements etc and asking each family member for this…
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Best Way Of Raising Money for Home Improvments?
Hi all, Looking for a bit of advice, Current Mortgage £41,000, approx Current Value of Home £50,000. We are still tied to a fixed rate for another 3 years but desperately need to raise money for improvements to the house (family getting bigger). We are extending up (building a whole new roof) and although we have all the…
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Will a car loan affect remortgaging in 01/08
Hi I need to buy a new car this year as my old one is nearly clapped out. I need to borrow about £9K. Will this affect our mortgage we are on a fixed rate till 01/08 when we will need to find a new deal as we will have £155K outstanding with 23 years left. We do have about £12k in a PEP but would like to leave it there as…
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First time buyer cheapest fixed rate ?!?!
Hi I am a first time buyer and looking to buy asap via a joint application with my girlfriend as we are expecting our first baby in 5 monthes. We are looking to buy a property for £190000. We have £19000 deposit so are looking for 90% mortgage so therefore £171000. We want a fixed rate mortgage for either 3 or 5 years but…
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Advice
For the past 15+ years I have had a variety of fixed mortgages, normally for no longer than a two year period. I always wait until the time is up before shopping for the next deal. I'm wondering if there is anything I can claim back. There always seems to be charges for something or other...funnily enough. Anyone give me…
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Exit fees: none in contract
Hi, I am looking to reclaim my exit fees, however they have come back and said there was a leaflet saying the level of fees were £150 at the time I took out the mortgage, but there is nothing in the contract. They charged me £195 and therefore have offered me a refund of £45 as a "gesture of goodwill". Is this right and…
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Advice please
Hi all, I went to see an independant mortgage advisor about remortgaging. I've only got £33,000 left to pay over 15 years. I've also got a loan, credit cards debts of about £9,000. On the plus side I've got share options coming out over the next 2 years to a value of over £10,000. He advised me to get a mortgage of £42,000…
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Help.should I stay with Halifax and borrow more?????
I have a mortgage of just under £33k with 7 years and 2 months left on it... I want to borrow about £5K..... to pay for a new kitchen ( Kitchen is £18K...I have cash for the rest of it). I'm with Halifax on standard repayment mortgage... I'd like to keep my monthly payments the same...circa £505...so am I better off just…
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mortgage review fees
I am a Northern Rock customer, having had a mortgage with them for 8 years. I am in the process of changing to a new mortgage deal with them, they want to charge me £295 for a 'mortgage review charge', £299 for 'additional borrowing charge' and £995 for a 'product fee' - and this is to stay with them! If I leave NR and…
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mortgage application
hi i'm 31 years old, my salary including bonuses and overtime is £21000 (1700 per month). i currently pay £60 per week (240 month) to my credit card company and £30 (£120 month) board to my mother. i am applying for a 100% mortgage for £79000 (interest only). i am applying with portman bs. as i am currently at my mothers i…
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retirement homeplan scheme
HELP My elderley father has taken out one of these from the Halifax. Has he been had????
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Bridging Finance
Anyone know much about this? Roughly what interest rates they charge? Who offers this facility?
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How long to book in a valuation
We've had an offer accepted subject to survey. They won't budge on taking it off market until we have got survey booked in. Will be dropping in completed application and supporting documents to IFA on mon morning. He will process it on mon pm. Mortgage is with Abbey. He said survey will be booked in within 48hrs. Is this a…
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Claiming Back Costs From Northern Rock
:eek: IN JULY WE CASHED IN OUR ENDOWMENT POLICY AND CHANGED OUR MORTGAGE TO A REPAYMENT MORTGAGE - CONVERSION CHARGE 75.00. WE WERE ALSO CHARGED 990.00 FOR MORTGAGE REVIEW FEES. DOES ANYBODY KNOW IF I COULD CLAIM THESE CHARGES BACK?
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Discharged bankrupt -will i ever get a mortgage?
I declared myself bankrupt in 2003 after racking up University debt. I was discharged in 2004 and have been in that position for 3 years. Three years on I earn £20K and have obtained a high interest credit card to build up my credit score. I have been to see two independant mortage providers who both said they thought they…
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Northern Rock overpayment drawback
Anyone use the drawback (or whatever it's called) feature on their Northern Rock mortgage? I'm just wondering how easy it is and if there's anything to watch out for? I've got £1200 overpaid and am just wondering, although I don't need to do it at this time, what happens if I want some of the overpayment back.
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2nd property, what are our options?
Folks, We currently have a house with a remaining mortgage of around £50k outstanding. We’re looking at a second house costing £187k and now need to sort getting the money organised. I think we have a few options but was hoping your guys could give me a few pros and cons on these ideas? 1. Our current house is worth…
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Endowments and trading in new angle - please help
Ok, I have posted before on this and previously decided to keep my endowment going. With current payouts and bearing in mind the low payouts for Friends Provident, I am changing my mind. I already have some quotes for TEP cashins for my policy, and this amounts to a top value of 13400, with 9.5 years to go on the policy.…
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Mortgage issue
Hey everyone, I would like to hear from any brokers or others who might be able to adivse if I am likely to be able to increase my mortgage. My current mortgage is 140K repayment mortgage on a house worth approx 250K. I want to remortgage in 2 months time nd increase the mortgage amount to 185K on an IO basis. This means…
