Mortgages & endowments

Discussion List

• help

  Who does a mortgage for dss? can't get IVA as have too much equity, can't do equity release, too young. can't sell without losing almost £10,000 to council, because it's ex-metro. New mortgage would ease finances. Partner - on incap, Self- knackered and near retiring.

• professionals 100% mortgages

  Can anyone recommend a mortgage provider that does 100% loans for professionals? Thanks

• Can Anyone Recommend Someone...?

  ..for mortgage protection (ie, accident, sickness, unemployment?)

• Why not pay off all of your mortgage?

  I have heard Martin state that it is sensible to keep a nominal £100 remaining on your mortgage and then convert to an interest only mortgage costing a few pounds a year. Why is this sensible? I can see that it keeps your title deeds safe and secure at a small cost and that having a mortgage is used in part by lenders to…

• Statement Charges?

  Apologies if this is in the wrong place... I'm trying to remortgage my home and I need 12 months history from my current lender, so from May 06-May 07. Called my lender, Mortgages 1 PLC who told me I could have May-Dec 06 free but I'd have to pay £51 for a statement covering Jan 07-May 07 and was told these were in the…

• Arrrgghh i can't be the only one !!!

  :mad: in 1986 i bought a flat with my ex partner. by 1991 our relationship broke down and i moved out of the property with our 1 year old daughter and lived with my parents (it was only a tiny 1 bedroom flat) my ex partner agreed tha he would stay in the property and pay the mortgate...I told the building society the day i…

• Call Credit

  I am interested in hearing peoples opinions and experiences with Call Credit Having never used them I wondered what the reports were like? are they as informative as those produced by experian and equifax? is there a good level of information on them? Do any of you brokers know which lenders use them if any? MortgageMamma

• Mortgage/Bank Charges

  Hi My problem is, when we got our mortgage with the Skipton nearly 20 years ago a payment date of the 7th of each month was the agreed date the skipton would take the mortgage payment but.......I've lost count of the times they've try'd to take the payment early when there's been insufficient funds in our account to cover…

• Mortgage direct debit payment

  Is it possible to change the account from which your mortgage repayments are made? OH and I have applied for mortgage, but hadn't sorted out opening a joint account yet, so filled out the DD form so the payment will come from my current account. I would prefer that this came from a separate account which would both pay…

• Swap rates

  For thoses of you interested these have now reached 6% for the one year. Last there was 2000 1y 6.00% 2y 5.89% 3y 5.84% 4y 5.80% 5y 5.75% 10y 5.51% 25y 5.05%

• Moving house & paying off existing mortgage - Early Redemption fees!

  I am moving house in the summer and currently have a mortgage with Leeds & Holbeck. There is 10 months left on my existing deal and they want £2222 for an early redemption fee and £199 discharge fees. I thought about paying off some of the mortgate and leaving the account open paying off almost all of the loan barr £500.…

• Release of house deeds

  I recently paid off my mortgage and had to pay an additional £50 to get my deeds back or they would be destroyed. I paid the money but surely this can't be fair, ie. £50 just to retrieve my deeds from my file and then post them. Does anyone know the legality of this ridiculously high charge?

• paying off my mortgage

  I owe £2700 on a tracker mortgage and i am paying 1% above the interest rate.I also have £2100 sititng in a first direct account paying about £7 a month interest.Would it be sensible to use my savings to make a big hole in my mortgage thanks

• Endowment selling through Integrity

  Has anybody else had problems selling through Integrity? I agreed a sale 8 months ago and still waiting. You cannot get through on the phone but only to a message service so I am dependant on e mail which they do answer. I am assured that the prospective buyer is doing what they can to finalise the purchase of the…

• Can I get a mortgage?

  Hi Everyone, I've been reading the emails from Martin and reading this boards for a while now but I've finally plucked up the courage to register and ask a question... I've been living with my girlfriend for about 18 months (in her house, currently valued at ~£150k) and recently we have been talking about buying a house…

• Mortgage Charges

  Hi, 2004 we got into a financial mess due to husband being very ill. We got behind with our mortg. 2006 we changed our mortg and they charged us an Interest Due to Settlement Date' £2037.61 . This comprised of unpaid payment fees of £20.00 each time, £47.00 counsellor instruction fee 21 times, £172.25 -625.63for litigation…

• Mortgage charges

  Hi can anyone help me. In 2004 my husband became ill and we fell behind with our mortg payments. Last October we moved mortg and they have charged me an additional £2000.00 (interest due to settlement date). Can I claim these charges back.

• nationwide

  found quite a few products with nationwide they accept arrears on mortgage but would they accept 3 months of secured loan arrears??? prob not but worth the ask!

• Mortgage - pay off with a loan

  Hello All We have managed to get our mortgage down to £26,600. We're currently paying 6% but I think we worked out that it would be more expensive to change to a lower rate with another lender because of fees etc. We still have just over 15 years to run on it. We pay £230 a month, which includes overpayments, and we also…

• best fixed rate available

  Hi, I'm going to be remortgaging very soon. I was planning to move but have recently changed my mind on the basis that I think we are starting to see the first signs of a house price crash in my area. I need £85k over 25 years, for a house worth £120k. I want either a 3 year or 5 year fix for security (I think rates will…