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NatWest & Royal Bank of Scotland Mortgage Service Feedback please
Can I have some feedback please from anyone who had a positive or negative experience when applying or getting a NatWest or RBS mortgage. Thanks! PS: I don't work for them but just wanted to know in general. Thanks.
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Can I swap an endowment policy to a pension/saving plan
I had an endowment mortgage, then on remarrying I sold my house paid up what was owing but kept the endowment policy running to put into my pension pot when it matures. Can the policy be changed into a pension plan? I keep getting notifications that it will have a shortfall, yet it was orginally a guaranteed plan by…
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Let to buy?
We have been considering selling our house to buy something bigger, but have discovered that houses in our area are prime student lets. Looking at the figures our house would let for approx £1200 a month. The market value of the house is £240,000, our current mortgage is about £560 a month with 17 years left to run and a…
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Rate switch fee £695!
Could anyone assist me in this one!, I am new to the forums & after successfully cliaming back £120 from Halifax & Barclays on the final repayment fee this morning, I was wondering if any one knew if these fee's are refundable. We had to pay an exit fee when we moved house in April 2006, £275, with Barclays, which we are…
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Discrepancies on statements
I have an interest only mortgage with Bristol and West covered by an endowment policy that is set to easily cover the balance of the purchace price . However with the end of my mortgage in sight I have been going back over my old statements and noticed something very disturbing . I bought my house from the local council…
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CAM, Flexible or DIY?
I am 51 years of age. My current mortgage is about £115,000. I have savings of approx £20,000 with no loans/credit card debt. I really want to get serious about paying my mortgage off (something I should have done long ago). I am trying to decide on the best approach between the three options in the title. a) CAM - I like…
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Remortgage for BTL?!
Just wanted some general pointers if possible :A We bought our current house last December. We paid £177,000, and got a 90% mortgage (£160,000). Now, I've got a fantastic work opportunity for one year in Australia from this September. Would love to go, and would be gutted if it didn't work out for any reason...! :j This…
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is it too late to claim on missold endowments?
could anybody tell me if standard life are still compensating people who took out endowment policy in 1990 an 1992 I was mis sold.
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Buy To Let...
I'm hoping you guys can give me some advise.. Thinking of buying a house next door in order to let out. Need advise as to the best way to go about this.. Any advise welcome. Thanks:confused:
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Portman Vs Standard Life
Has anybody gone with : 1.Portman's building society. I got a quote for 95% int only mortgage at 3 yr fixed at 5.55% , with arrangement fee of 600 pounds and homebuyers for 450 pounds. Early repayment charge in first 3 years is 7k though! Is this a quick moving company or slow as an elephant/HSBC 2. Standard Life are doing…
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fostering & mortgages?
Having been to halifax today just to inquire about what they could offer as a mortage, i was surprized to hear that they could infact offer me nothing? Even though we earn a regular income and have permenant placements and proof of all earnings we were still turnned away! I understand that alot of what we earn is seen as…
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fostering & mortgages?
Having been to halifax today just to inquire about what they could offer as a mortage, i was surprized to hear that they could infact offer me nothing? Even though we earn a regular income and have permenant placements and proof of all earnings we were still turnned away! I understand that alot of what we earn is seen as…
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moving and getting new mortgage - credit history
Hi there, My current situation is that I own a flat which is valued at 145k, my current mortgage is with nationwide and is around £78k (all in my name). My girlfriend lives with me and we want to move to a house in the region of 180k. I have a good credit history - Never missed a mortgage payment and have a 5k loan and a…
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Re-mortgaging in debt
Hi, does anyone know or have experienced this before: I have been offered a remortgage and, on applying for my redemption from current supplier, find they have added my current account overdraft and an unsecured personal loan with them, despite these being accepted and included in a debt management plan. This makes the…
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Getting Independent advice - best place
We're in rented at the moment, our sale has just completed so the money is in the bank - (have another 5 months on rental to run) - saw a house yesterday we very much like. We have an endowment running so will be needing to take out a mortgage possibly some repayment and some against the endowment. Where's the best place…
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MEAF's
Good people, i exited a mortgage provider about 20 mths back and paid a fee of £155.00. When all the news came about reference reclaiming, i attempted to find what was stated when i joined them, but typically couldn't find it. Does anyone know if they might be legally obiged to tell me what the MEAF was when my mortgage…
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is it possible?? at 63years old?? any advice please.
Evening, this is an enquiry a friend has asked me to post for them, they are a couple 63 years old, no mortgage house valued at 380k maybe more, they would like to raise about 60k which is the best way forward a personal loan each would only give them 25k each short term so any suggestions would be great, thanks :D
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Thank you Martin - Mortgage Exit fees. Halifax success
Halifax are sending me £35 - difference between the indicated fee at the start of the mortgage and the actual fee I was charged. I've asked them to consider interest as I surrendered that mortgage 4 years ago. That was done all over the phone. At the end of a quick phone call I was £35 better off! Portman have asked me to…
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Paying off mortgage
Could someone help me. I am in the process of paying off my mortgage. I am trying to work out what I will pay and what I will get off the mortgage lender (Woolwich). I have paid the outstanding loan today but it will not appear on mortgage account for three working days. In my mortgage contract it says the mortgage exit…
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no fee/high interest vs fee/ lower interest ?
hi We are about to move up the property ladder and more than double our borrowing. Obviously there is a balance with these 2 options. Our 5 year discount is coming to an end. What factor(s) should influence which mortgage we take next ? I would invisage maybe overpaying a bit (the odd grand here and there) but probably not…
