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Endowment/pension Mortgage compensation calculation
I have been offered £7400 compensation for my mis-sold pension mortgage which works the same as the endowment mortgage. I am currently complaining to the ombudsman to increase the offer as Zurich will only calculate based on £38,300 not the £51,500 which is actually the mortgage amount. They made a mistake on the fact find…
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Deeds Dispatch Fee
I have just had a letter from the Halifax telling me that my 25 year mortgage is almost repaid, I owe £292-85. The letter tells me that there is a deeds dispatch fee of £50-00, this seems a bit steep for someone to put the paperwork in an envelope and mail them out to me or am I missing something. Any advice welcome. Ron
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Deeds Dispatch Fee
I have had a letter from the Halifax, it tells me that I've only got £292-85 left to pay on my 25 year motgage. Payments are by direct debit. It mentions a Deeds Dispatch Fee of £50, that seems a bit pricey for them to put the paperwork in an envelope and send them to me or am I missing something. Any advice gratefully…
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Halifax Building Society
Do not use any Halifax or HBOS products!! Have been a Bank Of Scotland/Halifax customer for over 30 years - but not for much longer. Loyalty holds no water. They spend a fortune on attracting new customers and do nothing to retain good honest ones!! Wrote to Chief Executive (Andy Hornby) regarding complaint on daughters…
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Help-Mortgage started early.
Hello, Mortgage with IF, they wrote to the house I was buying dated 11th April saying they had released funds and mortgage had started. I did not get this letter until the 25th (when we actually completed). As it stands I am about £200 out of pocket as they want to charge me interest from the 11th, when it should be the…
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Equity
Hello Group, I helped my mother purchase her home 5 years ago using the council right to buy scheme. As she was a pensioner I acted as the gaurantee. My mother now requires smaller accomadation and is looking at a council run bungalow. I have paid all the mortgage payments since purchase from my bank and there is about…
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Advice appreciated
I have been offered by my mortgage broker the following deal: Property Price: 235k Deposit: 23.5k Loan: 211.5k Fixed for 2 years at 5.19% Bank: Abbey Arrangement fee: 999 I have only lived in the UK since the 1st of october 2006 so I am regarded as a higher risk. My salary is 46750 and I have worked with the company for 10…
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Cheapest Fixed rates with no fees
Guys, I need some help. Our current mortgage is a discount tracker, we currently pay 5.49% but interest rates keep rising and its beginning to get on me nerves! Please please please point me in the direction of the best fixed rate mortgages with no fees, have a reasonable term (ie 5 years) and that allow a reasonable…
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Secretary of State - Second Charge
Can anyone help!!! My partner is in the forces and is taking advantage of a benefit they offer known as LSAP where they basically advance pay to help fund a house deposit and legal fees, in doing so they take a second legal charge over the property being purchased. We have signed all the legal charge docs for the second…
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Endowment redress
Thanks to you website I claimed against a mis-sold endowment policy from L&G taken out in 1992 for £60k L&G have accepted that I should not have been sold an endowment policy so have offered to buy back my policy for £20k, or offered me £1800 if I decide to keep the policy. The £20k offer is to redress the balance had I…
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Woolwich Mortgage Woes
:confused: :mad: I have been overpaying my mortgage for the last three years with the intention of not only reducing mortgage quicker but saving interest. It turns out that The Woolwich haven't been applying these payments to my account but holding this amount in a seperate account running along side the main account. It…
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Is it poss to get a mortgage to buy half our parents property
My partner wants to buy his parents house (he's a bit sentimental) But it's double what we can get a mortgage for. They have talked about putting it up for sale before now, they have considered buying a smaller pad, seeing as they spend half of the year abroad in their other property. I was wondering if his parents were…
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Mortgage for temp worker
Does anyone know which companies are sympathetic to temp. workers? I am looking to buy a property either to stay in or rent out but am currenlty on a years temp. contract. Returned to work in November after 2 years maternity leave, then changed from permanent part time to temp. full time work within Shell (My first…
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Buying Flat For Student
Hello helpful people! Would really appreciate advice. The situation is that my husband and I should like to buy a flat for our daughter at uni (in Scotland). We are (fortunately) mortgage free, with our property worth around £135000 At the moment properties are going approximately up to 35% over the asking price! So, if we…
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Need help with First-time mortgage???
Ok, so I need some advice being a first-timer. I've found a flat, now need a mortgage. Flat costs £125,000, I have £25,000 saved for a deposit, and I have an income of £23,000 (which'll raise to £26k next month, but for now I'm on £23k)! So, now I need a mortgage of £100,000, any idea's on my options or best lenders.…
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taken 8 weeks for my re-mortgage to get a NO
:mad: taken 8 weeks for my re-mortgage to get a NO surely it shouldn't take that long surely. can you appeal against these decisions.
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This doesn't seem entirely fair, but....
Hi all, I wonder if you could lend me the benefit of your knowledge and wisdom... I'm currently serving abroad with the RAF. Serving; as in not my choice, but that's another matter. I'm trying to get on the ladder, found a house I'd like to live in and have had an offer accepted. However at this point in time of course I'm…
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Friend selling property with mortgage and a secured loan
Dear all, A friend is selling a property and appears to have got himself in a bit of bother with early redemption fees on both! The first is a mortgage with a high street bank and upon redemption is asking for a redemption fee of £1,014.84 which seems a lot given the mortgage redemption figure is a little over £30,000. The…
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Can you live in your own house if it has a buy-to-let mortgage?
Hello all... My partner and I are about to rent out our house, ( in a few months time ). It's our only house, and we are renting out for a few years whilst we move away. I want to get the mortgage changed to a buy-to-let now in readiness for when we leave around the end of August. I have been told though, that once it's on…
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Agreement In Principle?
We're remortgaging for the first time and our new lender has agreed to our application 'In Principle'. We'd like to make some plans for the topup money we've applied for.How much of a guarantee that our new lender will complete our mortgage after their 'Agreement In Principle'..? Is it likely the'll still refuse?
