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I dont want to sound stupid, but, just a quick question
Hi, Im sorry if some of you think this is a silly question but I would rather look stupid on here than phone my bank and look stupid there :confused: . I have recently remortgaged with First Direct and have an offset mortgage with a savings account linked to the offset, I am looking to overpay £100 per month, Do I put it…
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cefa
elo elo just recently completed my cemap qualification and thought might aswell go for the cefa qualification too. any advice on cefa??? is it harder to get into the investment advising role than the mortgage side or just as difficult?? is there more job oppurtunities??:rolleyes:
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Advice please
I retire in two years but wish to move house to something costing around £15000 more than I have in readies. What is the best way to finance this extra dosh? All ideas very welcome Navigator
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Mortgage application whilst preg / on maternity leave?
Hi all. I'm a newbie here so please be nice! Really hoping someone can help answer a fairly simple question before I set off checking out mortgage brokers. I'm currently pregnant and it's likely by the time I get to the application stage of my new mortgage I'll be on maternity leave. I have heard that the fact my payslips…
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Early repayment fees
Hello All Sorry if this has already been asked but I'm interested in people's thoughts. I understand the difference between Mortgate Exit Fees and Early repayment fees, but wonder if anyone thinks that people who have changed mortgages, and been charged thousands of pounds in early repayment fees for doing so will get the…
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First time buyer/Bad credit history
Hi, Ive put off getting a mortgage because of my bad credit history. I am however fed up with renting! in the past 3 years my credit/repayments have behaved like an angel however. Prior to 3 years however I was quite badly behaved. Gained a CCJ and 3 defaults. Is it possible in anyway to get a mortage with a bad credit…
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Reclaiming Late Payment Fees and Solicitors Charges
Hi Have recently started process for reclaiming bank charges and understood that same could be done for Late Payment Fees for Mortgages. Received list of charges from Birmingham Midshires and just want to know if I can claim back Solicitor's charges as well?? Any help much appreciated.
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Interest Rate Concerns
The papers this morning were indicating that the Bank of England is considering a 0.5% increase in the base rate. I'm tied into a 2yr discount mortgage until August 2008 but would switch to a fixed if it were at all possible. There weren't any viable fixed rate mortgages due to poor market conditions last August when I…
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Is life assurance figure correct in endowmenr redress calculations
I have been offered Compensation for a mis-sold endowment policy taken out in 1996. The figures used to calculate the compensation against if I had taken a repayment mortgage, include an amount for joint life cover with critical illness at £ 29.13 per month. Where did the endowment company get this figure? It seems a bit…
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Porting a mortgage. Deposit?
Hello, longtime lurker, first time poster. We'll currently be looking for an extra £30k on a £115k mortgage, which I believe means porting our original mortgage over and starting a new one for the additional amount of borrowing. The question I'd like to ask is when porting a mortgage (with Nationwide) will we be expected…
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i dont get it mortgage redemption penalties
:confused: I am with a mortgage provider for people with not too good a credit history only 1 ccj that had been paid off 4 years previously and the odd default poss 2 . re business. we remortgaged 3 times over the last 6 years and every time we have been charged a redemption fee of thousands,we were told by the advisor…
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The next 18 months?
I really am getting second thoughts of buying myself some property now. :( With the wage I am on (Average 25K)there is no way I can afford the house that I want so am looking at buying a smaller property right now (possibly buy to let on an interest only) and hope I don't get into negative equity. Ideally I want to move on…
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Mortgage Advice
Hi - I'm after some mortgage advice as I'm pretty lost in the minefield of mortgages! I've had a property 3 years and currently have 60k outstanding mortgage with Northern Rock on a rate of 7.34%. ERC end date 1/4/2011. (Originally had 2yr discount period only paying 1.95%). NR have told me over the phone that the ERC is…
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1.2 million foreign mortgage needed
Just back in the UK for a few days having seen my new villa in cyprus. I need 1..2 mCYP but who is the best broker to go for that sort of property. I will be putting in 900,000 CYP and need a 20 yr repayment mortgage. Obviously I need someone experienced and quick in that sort of foreign mortgage. any suggestions?
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Fixed or variable?
Our 3 year fixed rate deal has come to an end and for the last 2 months we have been paying the variable rate which is around £640 for a £100000 mortgage. I am about to make an appointment with them to see if a can get a better deal and also phone around a couple of brokers but am unsure whether to go for another fixed…
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Compensation offer Received, will acceptance affect eventual endowment payout?
We have been given an offer from the FSCS for our mis sold endowment. If we were to accept would this mean that we will get less when the endowment eventually matures? Is there any way of getting more than the amount that has been offered by the FSCS? Thanks guys :) :money:
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Urgent help needed on new mortgage
Hi everyone, Just joined the site and would be grateful for advice.. I'm so lost in the mire of finding a mortgage. Basically, am divorcing and looking for a £90,000 or £95,000 mortgage on a property worth 160,000. I will have around 65k deposit. I am 45yrs old in July , so can realistically only go for a 15yr repayment.…
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Help wanted - Remortgage to get out of a Trust Deed
Hi Can anyone help? I'm in a trust deed but want to re-mortgage my house to buy myself out. I have asked my current mortgage company (Lloyds TSB) but they have refused (I take it becaue I have a poor or should I say non existend credit rating). I now want to start building up my credit rating. Am I going to get stung with…
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Help Completing Allocation Questionnaire
I am taking Nationwide Building Society to court and have received the N150 Form (Allocation Questionaire). I see there are many posts regarding this form & reclaiming bank charges but as mine relates to Endowment misselling I wonder if anyone had any particular advise.
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Advice with writing to FOS please
Hi Everyone. I have been asked to write a final submission so that the adjudicator can pass my complaint on to an ombudsman. If anyone can spare the time to give me some more very appreciated advice, I would be really grateful. Do I go in with “all guns blazing”, and re-write all the points that I don’t agree with the…
