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CeMAP Courses
I'm currently studying CeMAP 1 and I've now finished the binder. However, I'm not confident thats its all sunk in - studying by just reading has never been a strong point of mine. I've been looking at the course that the Herne Group do. It consists of 21 DVD's and 21 CD's plus other material, directly from them its £1000…
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Remortgage -Buy to Let or Residential HELP!
Hi, I was hoping for some words of wisdom as I feel completely lost! We have a property worth 150k, mortgaged at 100k and no tie-in to our existing lender (Principality flexi-mortgage). We're moving at the end of August, don't intend to buy elsewhere for a couple of years and have tenants already signed up from July (but…
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Have you had to increase your mortgage term to buy new property?
Hi Following on from a post i have done on another thread i am just interested if many people like us have had to increase the term of their mortgage again due to the cost of purchasing a new house? We have a current mortgage of 50k with 10 yrs (repayment) and will shortly have a new mortgage of 130k back up to 25…
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mortgage agreed in principal but change of circumstances
We have a mortgage agreed in principal. There is a high chance that either my OH will leave his job and contract or become self employed before would complete on a new house (28 day exchange of contract applicable, house not ready until dec) Would the mortgage company want to reconfirm your financial situation again after…
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28 Day-Exchange of Contracts
Hi, We have just paid a reservation fee of £500 to Miller Homes where there is a 28 day deadline to exchange contracts. Our solicitor seems to think that this 28 days starts when he recieves the required documentation from Miller Homes to start the process, while Miller Homes (sales adviser) says the 28 days starts from…
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Savings or Mortgage?
Just a quick one really;) Am currently looking into remortgage, but do I use my savings to reduce the amount i need to borrow......... or borrow what what I need and have savings in the bank for a rainy day!!:confused: Thanks any opinions greatly recieved as i am a complete novice at this and I am a big scaredy cat:eek:
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Borrowing Against Inheritance Halifax
Just missed the Halifax helpline closes 8pm Wonder if anyone can advise please In summary we have a mortgage with the halifax which is at the very top of income multiple (x5 of salary) we are awating an inheritance of around £60000 we want to move to a better property and can port out mortgage but would like to borrow a…
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Mortgage Term Assurance HELP
i have 2 policies to cover my mortage should anything happen to me or my husband so that the mortgage will be paid off. I have been told that because I have 2 none of them will pay out, can anyone verify this for me.
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HBOS Mortgage Missing Details
My mortgage is with HBOS. This morning i received a letter from them stating my details were on the disk that failed to reach the credit reference agency. Now they have offered to register me free with CIFAS, but what exactly is CIFAS and do i then have to pay each and every year to have this. Also i'm actually quite…
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Nationwide interest only isa
Hi all I have a Nationwide repayment mortgage and want to switch to an interest only. Nationwide require you to have an isa in place to repay the mortgage at the end of the term or have a certain amount of equity in the property that i do not have. My question is will any isa do or do i need a certain type. I have been…
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Abbey Mortgage - Should I stay or should I go
Hi, I'm after some advice regarding our mortgage situation. Our 2 year discounted variable rate mortgage with Abbey comes to an end in August and I'm starting to look around at whether it is worthwhile staying with Abbey or moving to another lender. Abbey have offered the following products to me: 2 Year Fixed at 5.49% -…
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Claiming endownments off Zurich
I am currently trying to claim off Zurich (formely Allied Dunbar) for a endownment, my policy is currently around 15k short of a 35k policy. Anyone currently having success with Zurich at the moment or has anyone got advice. regards
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Some serious advice needed
I need some mortgage financial advice if anyone on here can. Basically my situation is myself and my sister took out a mortgage 3 years ago for £38k. I am thinking of buying her out and moving in with my partner. We have had the property valued and it is valued at 90k. Therefore if i was to buy her out she would be…
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2 or 5yr Fixed - What Would You Do?
I'm in this postion, my personal choice to suit my personal circumstance is the 5yr fixed. I'm guessing that the rates will rise another 0.25 and then stay for a while. I guess they might drop below the fixed rate towards the end of my deal. If we all knew, we would all be better off, but taking personal circumstance out…
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Underwriters
We have been offered a mortgage by Future Mortgages, everything with them checked out fine, but when everything went to the underwriters, they said no! :cry: Future Mortgages cant understand it and have asked our mortgage advisor to pass on our package to their underwriters. If they say no, we have lost the mortgage and…
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Listed Building values
Hi all, Would you expect the value of a flat to go up / down / stay the same if the property was listed as opposed to not being listed? Say just as a Grade C listing. Thanks
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How do I find an IFA?
Hi all, I'm currently paying off some old debts but I want to investigate possilbilty of getting a mortgage at some point. Due to my poor credit rating I believe an IFA is my best bet. How do I find one?
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Non status borrowing
Can anyone advise on this one? My brother would like to raise about £120k in connection with buying a small property. To date he has always rented. Through legacy he already owns a number of properties of which the combined current value is about £400k - but they all have long established tenants with ongoing tenancy…
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Overpayment Q - Nationwide
Hi, Hope someone can advise, I did try a search, but ..... Anyway, we managed to make an overpayment on our mortgage last month (within the limit so as not to incur a charge). After several discussions they eventually understood that we were making overpayments to reduce the term. Now we are being told that only…
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Trainee Mortgage Advisor Interview
Hi guys, I have an interview with C&G today for trainee mortgage advisor, any tips? I'm going straight from work at 5pm for an interview at 6pm, and its about 25miles away so I'll be on my mototrbike, which means that I'll be in my leathers, which in turn means a) I'll be leaking sweat b) IMO, it wont look too…
