-
Feesaver - but charged a fee!
Just taken out a Feesaver mortgage with Alliance and Leicester, but have been charged a £250 fee! Am I missing something? Does Feesaver not imply/suggest there is no fee?
-
Credit Check
Hi I was wondering if anyone could help me please with a quetion on a credit check form I 'm applying for a new job and they do a credit check before they employ someone. One of the questions is :- Are you or have you ever been the subject of any civil proceedings, arbitration or Litigation, including proceedings that may…
-
overpay or reduce term?
i have a client who has asked me what would be best: a) take his 90k remortgage over 21 years or b) take it over 30 years and then overpay each month to reduce the capital he wants a 10 year fixed rate, and wants to know what option would be best at the end of the 10 years I think he would be best to take it over 21 years…
-
Giving house to local council for rental?
A small problem someone maybe can give me some advice on. My wife, small son and myself are moving to Spain at the end of August and as we have known for some years that we would be going have concentrated on getting our mortgage down as low as possible with the idea of renting it and giving us some income while away plus…
-
Mortgage (Incorperating IVA)
Hi all I hope you can help. Firstly would like to say what a great site this is and to be honest I wish I had started using it sooner, nevermind. Hoping you can help with something. The other half and I are now in a position to consider a mortgage to buy property. Our buying power is good enough to hit the property ladder…
-
Do Mortgages check you have paid all yor debt off?
In the middle of moving-Mortgage company said they want me to pay off my credit cards etc-I have agreed to do this-Just wondering if they really do check?
-
Mort exit fee
Does anyone know how much the mortgage exit fee would have been from the Bradford and Bingley in 2002 or anyway I can find out?
-
Nationwide Mortgage being paid off, possible fees for Deeds etc?????please help
Dear All, My parents are shorlty going to pay off their Mortgage with Nationwide, I am aware there is no redemption penalty but should they be aware of other possible settlement fees ie deed returns etc? Any advice would be welcomed! Thanks again Jason
-
Let to Buy Mortgages
Does anyone know who provided let to buy mortgages?
-
Today my Building Society pulled out of my remortgage??
I think my existing mortgage provider are taking the Mickey. Last week I applied for a fixed-rate 2 Year remortgage at 5.34% with a £249 (no refundable) reservation fee. A week before I had rung the building society and been advised I was eligible to apply for this particular product, but suggested I wait a couple of weeks…
-
mortgages4u
Dad just received a call today from a company named mortgages4u, saying they can offer him savings on his current mortgage which is a woolwich tracker 70k.:rolleyes: Anyone heard of this company?? any good?
-
discharged bankrupt( new mortgage?)
hi everyone .does anyone know of building society that will allow a discharged bankrupt to obtain a mortgage on council right to buy house.we get junk mail pushing these sort of mortgages from unheard of companies, but just wondered if any mse posters know of any reputable companies or building societies that specialise in…
-
Buy to let questions
I really need my head examined. Less than 10 days after I finally repaid my 25 year mortgage, I'm thinking about taking out another one. I've got some surplus proceeds from my endowment policy and I'm thinking of putting it towards a new build buy to let property. To be honest, I hadn't even heard of "buy to let" mortgages…
-
What do you expect from a mortgage broker?
Hi All Since we have had a lot of talk on here lately about fee's I am interested to know what would you ideally like from a mortgage broker? Please vote on the poll 1. No fee's whatsoever and access to all lenders who pay commission, research excluding lenders who do not pay brokers commission 2. No fee's whatsoever and…
-
Interest rate increased to 5.5% and the MPC claim it is to combat inflation! LOL!
How much longer does the BOE think they can get away with the old chestnut of `higher interest rates = lower inflation`? `higher interest rates = lower inflation`? is total nonsense. When interest rates rise, mortgages, personal borrowing and company borrowings increase causing what (?) yes that`s right higher prices!!…
-
part mortgage/part unsecured loan - Good idea?
Hi all, I'm a first-time potential buyer looking at buying the house I am currently renting off a friend at the moment (asking price £121,500). I have no deposit. I visited my IFA yesterday to see what mortgages are available to me. He has said that, due to the amount of debt I have (18k on a salary of 30K) that a normal…
-
Return on Endowment - Any Good?
Hi all I recently had a Liverpool Victoria endowment that matured - the return was £3057 and I had been paying £10 per month for 15 years (started 1992). Was this return any good? The total that I invested was £1800. Would I have been better off paying this money into a bank? (don't get me wrong I ain't complaining I am…
-
Need money to move house
Hi, Im a newbi to mortgages and loans so plzz go easy on me!! I currently live with my parents and we need to relocate as my farther is now disabled. He owns our home which is worth £120,000 and we have found a new property that is £165,000. Our income is roughly £17,000 per year that is made up from my part time job, mums…
-
Mortgage breaks for maternity leave
Hi Can anybody tell me if they have experince of getting a 6 month mortgage break due to maternity leave. My mortgage is with Northern Rock and in order to apply for a 6 month mortgage break under the "special circumstance" of maternity leave they ask you to submit an application 1 month prior to when you want your…
-
Endowment Compensation Misery
I have reached the final brick wall now. I actually worked for Friends Provident when they forced me into buying an endowment who have a written letter of apology and admittance to misselling to me. At first they denied I was even staff and tried to make out some non existent broker sold me the policy. All lies. The…
