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credit check skipton BS
:mad: Hi looking for a little help/advise! We have started the process of moving house and have just accepted an offer on our flat. We have seen the house we want to go for, but our credit score is not the best by any means. But we seem to have an ok credit score with call credit. (3 stars) I see there is a few threads…
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How soon can I remortgage
Hi all - looking for some quick advice from you all. My partner and I have a mortgage for around £120,000 minus whatever capital payments will be made from nearly 2 years of payments (25 year capital/interest mortgage.) We are on a 3 year fixed deal which ends on 01/07/08, at which point we were planning to sell up and…
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What do we do now?
We found a house we love at £170,000 and saw the estate agent's mortgage advisor. But because we have a car on HP with Welcome, this is affected our chances of getting the mortgage amount we need. We've tried but we cant give the car back and we have still another 3 years to pay on it. The amount of mortgage offered to us…
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House price crash?
I dont have a cystal ball I know, but I keep reading, also hearing that in the not so distance future there will be a house price crash, I just heard a few mumberlings from friends whos friends work in the city have said its going to happen because of the prices right now and also the amount of DEBT people are in, what do…
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The dilemma of the First time buyer
Financial limitations are causing under 25-year-olds to delay moving out of the family home by three years and getting married by four and a half years, compared to older generations. The dilemma of the First time buyer is changing the shape of domestic lives,some areas of the country restrict purchase of some properties…
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Not sure what to do...HELP!
Ok so by now if you have read all my other threads you will know i am after a 10yr fixed rate deal. Dodgey broker that i am due to see Tues offered Accord at 5.39% with about £1k fees etc, erc of 5% down and 10% overpayments allowed (this is all i remember)....but now seen HSBC 10 yr fixed rate at 5.49% no fees at all or…
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What to do with old endowment?
I have an old endowment (13 years old) that I took out on a flat I sold ages ago. I now have a mortgage with my husband; the endowment was for £30k originally, it's now worth about £7k and I only pay the minimum payment on it. Is it worth just cashing it in or is there anything else useful that I could to with it? Thanks
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PHOENIX Royal SunAlliance Endowment
Hi there I was wondering if anyone could reassure me about a decision I have made? I have the above policy taken out in July 1997 to cover a mortgage of £75k with a monthly premium of £143.27 over a period of 25 years Current maturity projections as below: 3.25% 51,700 4% 55,800 5% 62,000 Surrender value at £14,030…
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Abbey Mortgage Repayment Fee
I was charged £225 when I paid off my mortgage May 06 they have refunded me £126 stating " this being the difference between the amount that you were charged on redemption of £225 and the mortgage repayment fee stated in your mortgage contract " Outlandish or what, how dare they charge me £126 more that I had agreed on my…
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interest only for a few years, good idea?
hi guys, iam looking at moving house. got a house worth 135k at the mo with 85k outstanding. i plan to use the 50k i have in this house to move up to a bigger house, but is it a bad idea to take out an interest only mortgage for a few years to lower the payments? i could stretch to repayments on the bigger house, but for…
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Interest only mortgage
Hello everyone, this is my first ever post so here goes. All advise gratefully received. I am a single parent (37yrs) with an £80,000 interest only mortgage (due to financial constraints) and a present income of approx £16,000 pa. I have no other debts, savings of approx £4500 in a cash ISA but no pension or means of…
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morgage advice please
please can anyone help i have a morgage but if i change morgage i have a 2,000 exit fee. i really need some money to do up my house, is it best to remorage and pay the buying out fee? or is it possible to take a 6month break? i have been with amber home loan only for a year. if i wait another year i wont have to pay the…
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morgage advice please
please can anyone help i have a morgage but if i change morgage i have a 2,000 exit fee. i really need some money to do up my house, is it best to remorage and pay the buying out fee? or is it possible to take a 6month break? i have been with amber home loan only for a year. if i wait another year i wont have to pay the…
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The associates mortgage company
Hi everyone Does anyone have contact details for this company, "The associates mortgage company" We paid off a mortgage with them in 1998. I am sure we paid exit fees but I am not sure if we would be too late to claim a refund. They were based in Huddersfield at that time. Any help or advice appreciated. Thanks Pam
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Backup mortgage plan
Could anybody please advise me on something Had an IFA at my home the other night, and i was really happy in what they said, but just wanted to confirm that the deal they had suggested to me , was the best , i tried researching it on the net, but couldnt find it. I am a first time buyer (38years old) No dependants £20600…
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Flactuating capital repayments on mortgage
Every month when i check my mortgage on Halifax online the capital repayment is very different from the previous month, sometimes higher sometimes lower. I had the understanding that it should increase very gradualy every month. Does anyone know why this is? Regards, kevin
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Do Experian show offset balance ?
Hi Can anyone help here. I am trying to find out with what will go on an Experian credit report. If someone gets a new offset mortgage e.g. Woolwich OpenPlan will only the amount of the mortgage being paid back show as Balance or the amount also in the reserve facility or indeed the amount available (but not currently used…
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ING Direct Mortgage
Just remortgaged with them and it took just under a month from start to finish. Very good service. Just wanted to point that out as I know some ppl have had reservations with this company.
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One for the Brokers on here
I am thinking of starting my own brokerage by the end of the year. Now I need to get my head around the things I need to look at like going AR or DA. If AR which is the most cost effective way at the same time the best for compliance? A business plan, premises to rent as I do not want to work from home. I want to take on…
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Maybe a long shot
Hi all, I have a mortgage with my current building society (Britannia) who have been so good in the last two years when I had financial difficulties, and were very far behind in payments and they didnt repossess, even though I did have a few theatening letters, but I kept in touch after speaking to the CAB. I have been…
