Mortgages & endowments

Discussion List

• Question for the advisors...

  When i took out my 1st ever mortgage in may 2004 i needed to borrow 100% as no deposit, i went through an independant broker who introduced me to future mortgages he said this was the best deal for me at the time, i had a perfect credit history back then i find out only recently that future mortgages are well known for…

• Looking for a remortgage

  i have had a few quotes on a possible remortgage and all the ones ive had i dont really like the sound of, people on here have messaged me telling me to shop around more but how do i go about shopping around? the advisors in estate agents seem to have access to the same market and the 2 quote sive had from them are roughly…

• Mortgage redemption fee - claim

  My oh has just told me that he heard that you were able to claim the fee charged when closing the mortgage. How do we go about doing this? Any help would be appreciated. Thanks.

• Remortgage advice

  We are approaching the end of the fixed rate period of our first "homestart" mortgage from HSBC. The mortgage is fixed at 5.39%. We have just over £109,000 outstanding, and the house is now worth approximately £135,000. We have also comitted to another property purchase in Spain for which we will need a mortgage of just…

• central capital

  anyone here got a mortgage with them, we got a quote over the phone a 95% remortgage for 104500 intrest only 715 a month, seems very high to me, choosing this one it would give us about 6 thousand for ourselves, after their fees which are again quite high 3,500 i think!!! ive also been quoted by TML a 90% remortgage for…

• land registry

  anyone know how to change my name on the land registry?

• Skipton or Accord?

  Right so had a call from finacial advisor who i have never used before . Tole her i was looking for 10 yr fixed rate deal and said skipton. She said good rate etc but the times she has dealt with them they have been very slow and needed tonnes of info. She recommended accord instead. This has exactly the same deal but the…

• Remortgage advice please

  Hi Fairly new to mortgages so could do with a litle bit of advice please. Bought my house 3 years ago and my dad sorted out the mortgage. The halifax 3yr tracker has come to the end and i need to find a better deal. I earn about £23,500 and have around £70k left to pay off. Ive been looking at the ingdirect remortgage. any…

• Mortge Networks

  Hi, I am fully CeMAP qualified and am thinking of joining a network. The thing is im confused as to which network i should join. I am looking for a network which will provide the whole of market so if a client asks me "can you approach any lender in the uk at this moment?" i would like to be able to say "yes". If anyone…

• Sell L&G Endowment?

  I have an L&G policy that we need to either surrender or is it worth trying to sell? Its a 'units' managed policy that is due to mature 2023. Surrender value is £5600 £3200 assured. Can't find basic sum assured. Thanks Leigh

• Mortgage late payments

  Does anyone know if I can claim my late mortgage payment charges in the same way I claimed my bank charges? PLEASE!

• missold endowment ,Compensation offered

  I have been offered compensation on two endowment policies :beer: and just wondered if it is worth having it double checked by the financial ombudsman. I understand that the companies have to follow their guidelines but I just wanted to check what others thought before I close the claims. thank-you

• Help I May Lose My Family Home.

  Don't want to bore you with the past year history but in the a nutshell iam stuffed.I have a variable rate Intrest only Mortgage at £119000 on a house worth now £130000 - £135000 (last year it was worth £14000 - £145000). I have been a house husband and as well a Carer for my Mum who has MS while my Partner (well ex now)…

• Why do brokers want you to have 10% deposit?

  I'm looking at buying my first property in England and will put in an offer later on today. All mortgage brokers I have talked to want you to have 10% deposit which I do have but I am not sure I want to pay 10% deposit. Now I am aware that I do need to pay a deposit since 5x salary multiplier will not cover the full…

• Mortage fees

  I have got my statement from our previous lender with charges on but i am not sure waht i can claim back. Can i claim the following Interest that has been charged. A second charge questionnaire fee(what ever that is) Redemtion statement fee And an early repayment charge. Completon fee Telegraphic transfer fee And finally a…

• I need a mortgage.

  Good Morning This is my very first post and I am not sure how it all works. I would like to ask a question about what I need to know and do to obtain a mortgage. I have seen a lovely house in the village and I will need some help with obtaining a mortgage any suggestions? My salary is £25000--- would it be OK for me to buy…

• Mortgage Help.

  Hi, would be greatful if I could have some advice. I have some previous debt problems, defaults etc.. Mostly paid off, and the rest is being paid under agreement. I earn £22300 a year and have outgoings monthly of around £300. My fiancee earns £12500 a year with no debt or outgoings. I have seen a house I want to buy at…

• Offers on endowment policy? Which 2? Please help.

  We have decided to sell our endowment policy, held with Clerical Medical. Rang the Association of Policy Market Traders and sure enough 6 offers have come in.:confused: All offering more than Clerical Medicals surrender value. (of course). The best two are Policy Plus and First Policy, so we are thinking to sell to one of…

• Local authority purchase/Plans

  Hi, could someone please advise on this. When you purchase your rented house from your local council(north lanarkshire in my case), when you receive their formal offer, when do you actually recieve the plans that outline, who own what, with regards to the garden setup (shared garden with neighbour). The council legal dept…