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iva and a remortgage ? help needed
Hi mortgage is gmac rfc today i asked dcm apex whom i have an iva with ( ex partner ) dept s are mine , i asked what is the oustanding balance i have paid into this for 5 yrs ! i got a letter back £14,750 pounds oustanding 114 months at £260 to clear i was pretty livid about this , as their us a claim on my house from…
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morgage with a reserve
I really need your advice our house is in desprate need of new windows and front door.The back of the house is fine it is just one bedroom ,i would like a bay at the front and front door with two side panels . The morgage which we have is fixed for 2 years but at the time they said we could borrow an extra £3500 we have…
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Royal London Endowment Policy
Hi people, I have read some of these boards over a period of time, I have a Royal London with profits policy, and looked into cashing it in/selling it. With the information from these boards I contacted APMM, my policy is only a small one but was looking to better the cash surrender value, as every little counts. Royal…
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Solicitor for a remortgage
Hi all This probably sound dumb but am in the process of remortgaging with Abbey. They are paying the legal fees. It is a straight forward change of lenders. When I got the paperwork through from the solicitors, it said that they were acting on behalf of Abbey and that I should get my own solicitor. Is this really…
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Mortages For People On Benefits
I Am Currently On Benefits, I Have Not Missed A Mortgage Payment In Three Years (since My Divorce) Is There A Provider Who Will Consider People On Benefits
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Mortgage Penalty Payments
I separated from my husband in 2000, unfortunately he left me in a great deal of debt, I had to take over our mortgage because he went bankrupt and had I had to buy him out, after he left he only paid 3 payments I however carried on paying my share of the mortgage, but when I came to take over the mortgage wich originally…
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Mis-sold buy-to-lets
Not everyone knows that the buy-to-let market is unregulated!!!. We have been mis-sold two 2 year fixed b-2-l mortgages outside our criteria of strictly no overhangs and have been lumbered with a £13K overhang!. Got in touch with the FSA ombudsman only to be flogged off with the advice that the market is unregulated. The…
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How To Find A Whole Of Market Broker
Guys - I need to find the above, but other than "take their word for it" in any advertising bumf, what do I need to look for to ensure a true whole of market view on what I need. I'm relocating and need to look at second mortgage options as I want to take my existing mortgage(£110k) with me, but need an extra £48k-ish on a…
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Halifax Fixed Rate 2yrs May 9th APR Required
Hi Can anyone tell me where i can find Halifax's fixed Rate Tables 9th May before the last base rate increment? Rgds miketowers
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endowment miss sold 1986 Help pls
:o Hi there i hope im doing this right ?! I would like to ask what, if anything we can do about an endowment that was signed in 1986 before the FSA umbrella started ,that was signed up by a company called peter rainbow .We have contacted the company (now under another name)about being miss sold and they say that they will…
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mortgage from adverse credit lender?
A mortgage adviser has recommended me to take out a mortgage with GE Money Home Lending, (also called first national or pink home loans) who apparently specialise in lending to people with a poor credit history. We are purchasing a £400,00 house and have a £200,000 deposit . We have no loans,credit cards etc so probably…
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First time buyer advice needed with debt please!
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Transfer of Deeds
Hi all, this is my first post and i would appreciate any help and advice you can give me. Bear with me as this sounded better in my head! Currently i live at home with my stepdad. We have a joint mortgage of £45K over a 15 year term, which we took out on a right-to-buy property in 2005. Both our names are on the mortgage.…
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Mortgage - we're about to let...
g'day, brill site - been getting the emails for a while, but first foray onto this maze of information (so forgive me if I missed a thread on this in my search!). We've decided to move o'seas for a while (3 guesses where):grin: and are going to let our flat out. The mortgage co are charging £120 'to consider your request…
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Which is best for overpaying?
Does anyone have an opinion on which is the most efficient for overpaying your mortgage? a) Remortgaging every couple of years to a low rate and overpaying up to the 10% limit. b) Going onto the Standard Variable Rate at the end of my current discount and overpaying as much as I want (around £500pm overpayment on top of…
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early repayment charge
I currently have a mortgage with A and L. I am on a fixed rate until October 2007. Due to a new job we are relocating in July. A and L were unable to offer me a mortgage at the level I needed to purchase my new property so I have had no alternative but to arrange a mortgage with a new lender. This will cost me £3762.96 in…
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I am confused with mortagages
Hi Person selling the property for £230,000 Will i be able to get a mortgage for £250,000 as i need to do home improvements in the property????:confused: I do not want to take out a extra loan, i want it as part of the mortgage, is that possible????
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Would I be able to get a mortgage?
Basically, I have just got a new job as a teacher. The starting salary is approx £21,000. I would be looking for a 50% mortgage (about £60,000). Although I do not start my job til september, I have a confirmation letter and the contract stating what my income would be. My dad is also prepared to act as guarantor if needed.…
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1st & 2nd Charge on house - confused
Hi There I'm currently trying to sort out my deceased brothers Estate and i'm getting a bit confused with the property. He has a mortgage with Barclays for approx £45k and an Endowlement policy with Scottish Life for £45k paid on death , which sounded straight forward that the Endowlement company will pay the mortgage. I…
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re-mortgage?
Hi thereall, would like some advice on best place to re-mortgage? Currently with halifax on 5.4% but this will change to a variable next month and with bank of england rates rising i don't consider this a good mortgage to stay with. Looking for something with minimal fees and fixed rate? thanx in advance
