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Endowment response
I've sent off a complaint letter & had a response were I have to fill in a questioner but also they want to speak to me on the phone. Should I do this or should everything be in writing. Also asked for all my documention relating the case to which they haven't sent. I'm just a little suspicious of what to do.
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halifax didnt keep promise about porting mortgage over
Join Date: Apr 2007 Post Count: 2 Thanked 0 Times in 0 Posts halifax wont let us port mortgage over i have had four nightmarish weeks with halifax giving me a decision on porting my existing mortgage over to a new property. it took them four weeks of endless bad communication to decide we cannot port the same amount of…
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halifax didnt keep promise about porting
Join Date: Apr 2007 Post Count: 2 Thanked 0 Times in 0 Posts halifax wont let us port mortgage over i have had four nightmarish weeks with halifax giving me a decision on porting my existing mortgage over to a new property. it took them four weeks of endless bad communication to decide we cannot port the same amount of…
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Looking for a New Mortgage
Hi everyone, im a newbie here, but i've been reading posts for a long time, ok, basically, I am in a rather awkward position at the moment and would appreciate if somebody could give me a little advice. I am 4 months in arrears with my mortgage at the moment, although to be fair to them (PLATFORM) although they have a…
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Disgraceful intimidation
The Telegraph's investigator reports: Upholding the right to make a complaint So now you know what to do if this happens to you: step one is to walk away from any mortgage broker who tries to make you sign any such agreement, as it is an immediate sign of bad faith.
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Disgraceful intimidation
The Telegraph's investigator reports: Upholding the right to make a complaint So now you know what to do if this happens to you: step one is to walk away from any mortgage broker who tries to make you sign any such agreement, as it is an immediate sign of bad faith.
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RBS Mortgage Sealing Fee
I'm due to end my mortgage with RBS soon (moving house and changing to new lender) and RBS have quoted me a charge of £225 as a sealing fee and deeds release fee. Looking thru my original mortgage offer and the small print from when I took the mortgage out in 2000, I can't find anything relating to costs that I would incur…
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kensington...
ive been reading on here that kensington are known as last chance saloon when it comes to remortgaging. if a broker was to introduce me to them what should i do? taking into account i need to remortgage asap should i just go with them? i dont mind staying in the property for the tie in period as i dont want to pay any…
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Switching to buy to let
We bought a flat in London on Scottish Widows' Professional Mortgage at the end of 2006. We want to relocate overseas in 2008 but would like to consider keeping the London property as a long term investment (on the assumption of central London property prices performing well in the long term). By my calculations the rental…
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Fixed deal and moving house
We have a fixed 2 yr deal (and have done 6 mths) with the Nationwide. If we sell and move I understand it that if we keep the deal and providing they will lend us the money we can continue with them without paying the penalty. However, what happens if the house I am buying is 20,000 more? If they could lend it to us would…
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HSBC stopping graduate 100% mortgages!!!
From end of play Monday 7th May HSBC will no longer offer 100% mortgages to graduates. This is the main reason why I stayed with HSBC and upgraded to a graduate account so I am looking for another bank, however thats another topic on another forum.
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Libor
how do lenders actually claculate thier LIBOR rate? also on a repayment mortgage of 80,000 over 30 years with a repayment of 591 per month what is the calculated rate of intrest on this please??? thanks
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Kensington Mortgage Exit Fees
Back in 2001, I changed from the Kensington to First Direct in July. I do not have details now of the account details or of the fees charged. Does anybody know what the Kensongton charge for a standard exit fee. Or give me any advice as to how to find out what I paid at the time?
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Bradford and Bingley MEAF
I applied for MEAF and followed the guides on this site. The Bradford and Bingley say that I was only charged £75 ( 4years ago) so they are only offerng me £25. As I have no records I can't really prove anything. Has anyone else got a refund or had dealings with the Bradford and Bingley?
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Redemption penalties
Hi, I am just wondering if there is anything I can do at all about the redemption penalties on my mortgage. My husband and I took out a 3 year fixed-rate mortgage with Cheltenham & Gloucester almost 2 years ago. He is a teacher and I am finishing a PhD, and I have been offered a fantastic job in Cambridge starting in…
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To Pay or Not to Pay?
As a newcomer to the Moneysaving Expert forum, I would appreciate others views and opinions on my dilemma. I currently have 6 years remaining on my relatively modest £54,000 mortgage (currently fixed at 5,1% for a further 12 months). However, in order to finance other family expenditure, I need to reduce my mortgage by…
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Independent, Whole of Market or Panel
Which is the best route to take for the UK mortgage broker, Independent, Whole of Market or a Panel of Lenders. Does it matter, as we may only use a handfull of lenders per year, anyway. Let's hear your views. JoeK
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Credit check/payment history
Hi I need a little advice When lenders look at your credit file – do they look at your score (points) or do they just look at your payment history over say the last 12 months? I/we have a bad score but payment over last 12 months are good. Thanks Richy
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Becoming a broker (to the brokers here)
Hi guys and girls, I'm currently studying for my CeMap 1 in a training process for a certain company that just won 'best regional broker' in What mortgage magazine. I've got my exam coming up on the first of June and have almost finished my revision notes. From what I've heard, there are not a huge number of people who…
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what counts as income for mortgage purposes?
my husband and i are considering a move to an area wher we don't have to pass the drug squad on the school run - the only thing is I am not currently working (uni student) so we would be applying for a mortgage on husband's salary alone. Can anyone tell me if any other income may be taken into account eg. tax credits or…
