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Mortgages & endowments

Archives for June 2007

Will loan affect remortgage application
Hi I'm thinking of taking out a 20K secured loan to sort out my debts. What I want to know is if that will count against any equity in the property (outstanding mortgage 119K, value of property 132K)when we look for a new deal next year as the fixed rate will come to an end. Thanks Mike
What can I do
my point exactly. I have a property mortgaged, paid to a company that has no charge on it. If they haven't taken out a charge in 4 months why should they soon? yet the previous company who I'm not paying do. What if I paid off the mortgage, would that mean I still didn't own the house. Who do you complain to, I have…
Renting a house
Can I rent out my house without having a buy to let mortage? My big concern is renting the property out without consent from the lender. Do we have to pay tax on the retal income? Surely the tax man will tell the mortgage lender we are renting, what happens then? We have been told my several diffrent sources that a buy to…
Drive by valuations?
Hello I am in the process of remortgaging from Bristol and West to Halifax through a broke that I have used in the past. I went to see him yesterday to find out about the valuation. The broker said a drive by valuation has been done and when I asked for the valuation report he mentioned as the valuation and legal fees are…
Loan consolidation is it ethical on this site,providing links from profiles.
I have noted that some posters have links in their profiles to loan consolidation web-sites,I would request some feed-back on this practice. I realise that it is permitted ,but is it ethical ,because this site does have a stance on this matter,and Martin has run a feature involving a well known celebrity who promotes…
Buy to let or let to buy for holiday let?
Not seen your other posts and I'm not a broker but IMO, Step 1 You ask your current lender for consent to let on your current home. You then get a new mortgage on your new home. If you need to increase your current mortgage to release some equity to act as a deposit for your new home then you first ask your existing lender…
Would it be rude to?
I am meeting him face to face but not until next week and I just wanted to get some idea to start with. To be honest I think email is a great way to start as they can't just use lots of large words or technical terms that bamboozle you and make you come away feeling slightly dazed and overloaded with information, by email…
Which mortgage first?
The one with no redemption penalty. You may want to check this with your lender. After that, if there is no penalty, it doesn't matter. JoeK
Need More Space!
I Am Looking For Some Advice On Borrowing On My Mortgage, We Have Had Our Current Mortgage For 12 Years Borrowed 35,000 And Currently Owe About 28,000. We Seriously Need More Space For Our 3 Teenage Children And Are Looking At An Attic Conversion. Because We Dont Owe Much On Our Mortgage And Only Have 13 Years Left To Go I…
Shared Ownership Mortgage
Whether you're a chav or a chavette, lenders will accept you for a 100% shared ownership mortgage, subject to your income/s being sufficient and credit history. See a whole of market mortgage broker. JoeK
CeMap Sample papers
I own a national CeMAP training school to help individuals to pass their Certificate in Mortgage Advisers & Practice (CeMAP) exams. We trained around 1,000 people last year. In my opinion, for the majority, the most effective way to learn is in a group, be focused and get away from the home and all the distractions. Have a…
Attention: mortgage Advisers!
Incomes are based on a number of factors such as employed, self employed, industry that the adviser works in, (estate agents, banks, mortgage brokerage etc.) but as well as this it will depend on how hard the adviser works, individual ability, desire, etc. plus how well they are trained. Experience and training is a major…
knackered house - problem for mortgage?
Your circumstances may be different to the neighbour. Generally, the lender may hold advancing some money back after the property has been valued. This retention will be released to you subject to you having the work completed satisfactorily and a further inspection will take place to verify that. It would seem that you a…
So what exactly does a AIP mean?
Do BACS payments clear same day..?
How long for transfer of funds so I can complete?
Mortgage Redemption - incorrect amount now lender trying to reclaim
Remortgaging help!!
FTB mortgage with Adverse credit
Help please

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Mortgages & endowments

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