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Reclaiming mortgage redemption fees- could this work?
Hi- Saw the following advice column in today's Guardian:http://money.guardian.co.uk/experts/mortgage/story/0,,2075013,00.html Could the advice work? (i.e. writing to the mortgage lender and asking for mortgage redemption fees to be reimbursed) I paid about £3000 in redemption fees earlier this year and it would be great if…
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Mortgage advice please
Had a meeting with an independent mortgage advisor a couple of weeks ago. He seemed to think he'd be able to get us a mortgage no problem, despite me having an old credit card default on my file (which is satisfied). He tried to get an agreement in principle with A & L but they turned us down. Turns out my other half has…
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In a flap, what to do!
Hi We have seen a house and have had an offer accepted...maybe we jumped the gun a bit so need some advice. We are seeing the bank today re mortgage and need an acceptance in principle for the estate agents to continue. If we get an acceptance does this tie us to the bank, we have another appointment on Saturday elsewhere…
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Remortgaging woes
Hello, I hope I can benefit from your collective wisdom. My wife and I are in the process of moving from our first flat to a new larger one. In the process we are wanting to remortgage to release some of the £45,000 equity we have in the flat to help pay for the move, and to pay off some personal debts. In short we want to…
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Re-mortgage in my wifes name can i stay on the title deeds.
My wife and I are re-mortgaging as our initial joint fixed rate has ended. Due to myself having poor credit as I am on a debt management plan we explored her taking out the mortgage on her own. She has been accepted and it is a much better rate than if we were to apply jointly. My question is about the deeds can I remain…
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Paying Lump sum off mortgage
I have A Mortgage which is part repayment and part interest only. It is a fixed rate and I am tied in for about another 18 months. I wish to pay a lump sum off this mortgage and up my monthly repayments. I can do this without incuring any charges. What would be the best option for me? A, to pay the money on the interest…
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Next Step
Just had valuation done on our new property came back all good, does any one know what the next stages are please ?
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Finding a new mortgage
On November of this year, I will come to the end of my 3 year Homestart interest only HSBC mortgage repayments. After this time the payments will go up roughly £100 per month. This is also the time, when I'm free to look for another mortgage deal, as the 3 year "tied to" period is over. How do I go about looking for…
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mortage fees
hi we have recently remorgaged from kensington underwritten by barclays to another provider; due to unemployment our account was in arrears hence remortage and the high cost of interest rates from kensington we have been informed on the redemption notice we will have to incurr one months interest at £2188.90 and solicitors…
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Any opinions on Coventry buy-to-let mortgage please.
Hi, My partner and I are moving to Australia in September but we would like to keep our house and rent it out. I am currently looking at buy-to-let mortgages so that we can remortgage the house on a BTL. I have found, what seems on paper, to be a great mortgage with the Coventry building society. It's one of their Flexx…
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Completion date today, but no funds have arrived
Remortgaged with Ing, given today as completion date and told funds would be in my account. Just checked my online account and no funds have arrived. They did take the May Day holiday into account when giving me this date. Are completion dates and fund transfers normally accurate which means there is some problem or other…
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Cheshire Building Society
Has any one had any mortgage fees refunded from Cheshire Building society, we changed mortgages from them march 2004.If so how much did u receive
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Mortgage Reservation Fees...
I wonder if anyone can tell me 1) if I am totally being ripped off and 2) can they actually do that?! So I'm re-mortgaging and decided to go for the First Direct offset as it fulfills all of my requirements (and don't worry I did do my research!) When I had my initial application telephone marathon they told me there was a…
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Joint first time buyers. Here we go...
Hello all, I am a long time reader and a first time poster, as I think it's finally time to get some advice of my own. I am a 22 year old graduate, as is my girlfriend, and we feel it is time to get a place of our own. We have both secured our first jobs paying 20k a year. We have viewed a number of properties around the…
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Northern Brokers
Any of you Northern Brokers going to Mortgage Expo at GMEX next week?
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Equitable Life and EU Law
Interesting story from the BBC. A European Parliament committee probing the scandal of insurer Equitable Life has urged Britain to compensate policyholders who lost savings. http://news.bbc.co.uk/1/hi/world/europe/6636895.stm :) GG
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30 Year Mortgages
Does anyone know what the maximum age is that they will still offer you a 30 year mortgage at? And is there anywhere on the net I can find a calculator that will tell me what the total interest paid over the 30 years is and can then compare to 25 years? Thanks
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Changing type of morgage
Hi We are with the Coventry Builing Society and had a Repayment mortgage wtih them for 3 years. We have now changed to an Interest Only Mortgage (still with the Coventry). A signature was all that was required, but they charged us £400?? Can we claim some of this back? Cheers
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Purchase Property From Grandparents
Any advice on this would be appreciated. My grandparents have asked if I would like to purchase their property from them as a way of me getting on the property ladder. They are proposing to offer the property at less than market value, for which I would obtain a mortgage. They will continue to live at the bungalow. What…
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Graduate Mortgages
Hi there, Firstly thanks to everyone who has posted on here its all been great help to me in understanding mortgages. I am a graduate FTB who has agreed to buy a terraced house for 100k and am now at the point of deciding on a suitable mortgage. In summary... - 21k salary (on completion of grad scheme in Dec 2007 this will…
