Mortgages & endowments

Discussion List

• lowest fixed rate?

  Anyone know what the lowest 2 year fixed rate is at the moment with a reasonable fee? cheers

• Will I be a first time buyer

  Im in the process of selling and have moved into rented accomodation due to a relocation move. When the sale ggoes through im planning on looking to buy again. Does this mean im a first time buyer or if not what am I classed as. Also completely clueless with mortgages. Im looking for a mortgage I can pay more of if I want…

• No fees but now changed there mind

  Looking to remortgage a house on buy-to-let product. Went for a deal with no valuation, completion or legal fees. But because I've never had a mortagage on the property before, they now imposing a legal representatives for me at a cost of £250. How does me having a mortgage on the propety before or not have anything to do…

• Mortgage deal fell apart because of advisors mistake! please help!

  Hello I've been chuffed to bits because I managed to fix a 5 year deal with Nationwide for 5.34%, no fees, before the rates changed... or so I thought! Today my financial advisor phoned to say we had missed the cut off date and I would now have to pay £500 or £999 pounds arrangement fee and a higher rate as well.. This is…

• Fixed rate ending but selling up next summer...

  I currently have a fixed rate of 4.69 ending June 30 with Nationwide, and still owe £50,000 on a house worth £210,000. I'm getting married next June, and expect to sell up soon after, so if I take another fix, or tracker, I'll pay a redemption penalty of around 2 per cent of the balance. Am I right in thinking I'd be…

• MEAF claims without original copies. Any Ideas?

  Hi all, I have got redemption statements for mortgages from Derbyshire Home loans, Direct Line Mortgages and Kensington Mortgages. Unfortunately, I have not got the original paperwork showing what the exit fees were going to be. Also I am not sure which bank any of them are linked with, although I have a feeling directline…

• Mortgage exit

  Hi, Just been intouch with the Halifax and they say my mortgage exit fee is £73.50 based on the length (8 years) of our mortgage. Less than the £225 originally quoted. Does that seem about right? Also, they say I need a solicitor to do something when I pay off the mortgage. They can do 'it' for £50 Wondered what 'it' is?…

• A & L Premier account refused-what happens about mortgage now?

  Hi, Went for A&L mortgage becuase if you open up the Premier Account, you get a slightly better interest rate on your mortgage (4.99% at the time). The mortgage has been approved but the account has beed refused! I dont understand why-neither I or my husband have debts or anything like that... Im worried about the mortgage…

• What are my options if req'd ?

  Hi (new to forum), we are downsizing & have just had an offer accepted on a property & a move in date towards the end of July.Our house has just gone on the market & the estate agents are confident of a quick sale which would enable us to be mortgage free. I've put down our figures below & want to know our options in the…

• loan as part of the initial mortgage deal

  It appears that I can get a mortgage around the £160k mark but would any lenders give me less and the remainder as a loan so that I can do up the house once I've purchased it? Would a lender frown on such a request or is this possible. I read in numerous places that you can remortgage or get some cash upto a certain % of…

• remortgage fees-can we claim back

  Hi there, Just wondered if anyone could help me with this question....We remortgaged our home last year and paid fees of £220. Can we get this back? thanks Poppy

• Problems switching to new fixed rate

  Just wanted to get some advice while our problem is (hopefully) being sorted out as I type.... my husband and I were on a 2 year fixed rate of 4.95% with Nationwide which ended 30th April this year. In January (because of the rate rises) we approached our local Nationwide branch about securing another fixed rate to kick in…

• Scottish Law question after clearing mortgage!

  I live in Scotland and have just cleared my mortgage and before it becomes 'finalised', the Building Society have said that I need to get a letter from my lawyer re the documentation received back from the B. Society, before it actually becomes mine. Can an expert in Scottish law please advise me about this, how much it is…

• Coming to the end of my 2 year deal....

  We're coming to the end of our two year discounted tracker deal with Abbey - it finishes at the beginning of August - and I want to try and take advantage of any offers with other lenders that might exist prior to the heavily expected rate rise next week. Now, I know when you apply for a mortgage, you often get a certain…

• Endowment surrender Help

  Can anybody out there help me, I have just received an offer from my endowment company. they have offered me a redress value or i can take a redress and surrender value. would it be advisable to take the redress and sell my policy to one of the companys that advertise or surrender my policy back to my company. Or keep the…

• Remortgage Interest & ISA

  Two years ago we took independant advice on remortgaging. We where advised that the best way to pay off your mortgage was to get an interest only mortgage and then save each month into an ISA. The amount to save into the ISA was the difference between a repayment mortgage and interest only mortgage. After two years…

• Loan or additional mortgage??

  I really don't know which way to go.. I need to borrow £20,000 my current mortgage is £36,000 and my house is worth £240,000. I have never missed a payment but my husband and mine joint income is only £22,000. What should I do?

• Mortgage Payment - How's it allocated?

  I've recently remortgaged my home and think my solicitor overpaid my old lender. I've got a mortgage statement from my old lender dated 31/3/07. My solicitor then settled the old mortgage on 13/4/07. However, I made a payment on 1/4/07 by DD that doesn't seem to be taken into account. Now I realise I can claim the…

• Matured endowment.

  I posted a thread last week concerning a endowment that matures on the 1st may 2007. This endowment was assigned to the Coventry BS according to the records of the endowment co (CIS). I have basically paid the mortgage loan completely (all but £150). I phoned the Coventry Building Society and according to their records the…

• CII CF1 Past Exam Papers

  Hi would anyone out there who studies the CII course have any past exam papers??