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Mis sold endowment
Help We were refused by the Ombudsman as we were over the time , but my daughter was very ill at the time then we went through a seperation that was last year we are back together do you think we stand a chance of trying again as we are over the time limit.
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sell or keep?
we have a £58000 mortgage and we have 1 with legal and general and 1 with abbey national life both have 10 years to mature we pay £40 in each is it worth selling or waiting till they mature?
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Should I sell? need your expert advice...
Hi there, I wondered if all you lovely people could help me make a decision? We currently are living in a 3 bed semi worth £145k with a £110 repayment mortgage on it (tracker base rate +0.34%). We also have a second property worth £175k with a £100k interest only mortgage (tracker base rate +0.34%) which we are renting…
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New business
Hi, I am looking to remortgage as I am near the end of my fixed rate. I have started my own business in January and I have also been working in full time employment which I leave in July to work full time in the business. Can anyone advise on how I can get the best rate for my new mortgage as I can show previous earnings…
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Mortgage Consolidation
:confused: Hi All New here so not sure how it all works. Anyway we have a Mortgage with DirectLine and a secured loan with GE Capital. We are looking to consolidate both together.We have approximatley 17.6 years left to remain and do not want to extend the term.Who would or what would be the best option and of course save…
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Mortgage/Equity Release to buy BI
I have recently been discharged from bankruptcy and need some advice. My Beneficial Interest, in the matrimonial home, remains vested in my trustee, and has been calculated at £78,000.00. The trustee has written to me, and my wife by separate cover, offering us the opportunity to purchase my BI from him. Alternatively, he…
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buying a house in the USA
Hi all, I am a newbie at this and what I basically need to find out is if I can buy a house in the USA by getting a mortgage over here as I have a good credit rating here but will not have anything over there and wil not be a citizen until after I get married but still want to buy a property over there. Can anyone advise…
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Remortgage advice please
My current mortgage is now on the SVR of 6.49% costing £423 pcm. I owe £56,000 due to be repaid February 2027. My home’s sale price is around £90,000 – judging by local sale prices. I'm pretty sure I can get a better deal elsewhere and feel that a fixed rate deal would be better for me given that I have £24,000 of debt.…
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Morgage V Loan
I have a new job and am moving to a new city and so my home is currently on market for around £155,000. I am also fortunate in that a relative has recently left me £130,000. I am looking to buy a house worth around £220 - 250,000. After 13 years of scrimping and no treats I have paid off the mortgage on my current home and…
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Remortgaging £48k - Discount mortgages pointless?
After looking at all the major 2 year discount deals (with no tie-in), the product fee more or less obliterates any benefit from the lower rate over the discount period. Would I be right in assuming that unless you're borrowing more than £100k, just don't bother? I'm shopping for the lowest rate lifetime trackers now (9…
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Mortgage Question
Hi I have a mortgage of 144k with Northern Rock and want to consolidate some debt into the house! Basically I am putting it off for another day until the child care fees cease and other unsecured debt is paid off. The house is worth 190k so obviously I have a bit of equity to play with. To make it slightly complicated we…
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Money from Lender
Some advise pls... does anyone know when the lender transfers funds to the buyers solicitors...ie when before the completion???? thnks
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Debt and getting a mortgage
Hello everyone, I'm hoping someone will be able to offer some advice. I was hoping to get a mortgage, however I have £12,000 of debt on a credit card. I intend to get a personal loan to cover this (and stop the interest mounting) however, a financial advisor said that it didn't matter whether the debt was on credit card or…
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What to do...
What to do? Currently have a fixed 4.39% repayment mortgage which ends in Oct07. As interest rates are doubtless going to increase further I would welcome some advice on my next move. I will have a loan of £33K to repay and become sole owner. My property is worth approx.£210K with outstanding mortgage of £108K. I do not…
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Another first time buyer after some advice... please!
Hi, MY partner and I are keen to get onto the property ladder and have done lots of research into mortgages etc lately but do not really know where to start. We have read Martins advice and have scoured the forums and found some really helpful information. I am just about to qualify as a teacher which means my salary will…
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CeMAP Training...
Hi everyone, I've been reading a lot of threads over the past few days regarding everyone's opinions on CeMAP/Mortgage Advisors, but I just registered to get some more info. Sorry if you have all responded to the same question's over and over again, but I just want some clarification on certain things. Currently, I work as…
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Mortgage Brokers in Manchester? Recommendations?
Hello, We're looking for a fee-free independant mortgage broker in manchester and wondered if anyone had any recommendations? I also think it would make a good thread to do recommendations and area and for someone to compile a list? (will do this is people are interested).
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Mortgage with no/low upfront fees and no tie in??
Hi, We've had our house on the market for a while, nearly sold but it fell through, and are now still waiting for a buyer. Our current mortgage deal runs out at end of June, after which we will be on the SVR. We don't want to take out a new deal with a tie in, because hopefully we will sell and we will need to remortgage…
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remortgage
with Gmac and wish to move to another lender in an iva so would like to raise raise exrtra cash to finnish this is ther broker that does not charge 6 years ago it cost £2000 pounds thanks income last year 33,000 there is 17 years left on 74,000 B ut happy to go back to 25 years
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Banks overcharging on repayment mortgages
Sunday Times Is there no end to it? If this is correct then perhaps it will be better to get a penalty free I/O mortgage in future and then overpay it.At least you can see what is going on.
