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Got an HBOS Mortgage? Read this.
HBOS has apologised to more than 60,000 mortgage customers after private information about them was lost in the post. Bank of Scotland is offering affected customers free protective registration with Cifas, the UK fraud prevention service. Story click here. About CIFAS CIFAS registration normally costs £11.75 per year and…
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fixed term mortgage & capital overpayment
Hi Does anyone know how to see changes when a one-off capital payment is made to fixed term mortgage. Yearly 10% is the maximum overpayment is allowed and the Mortage term is 25 years and Rate is fixed and stepped by 1% for the first 3 years (locking term) Any calculator that details information to this level ? Thanks
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converting residential to buy to let
Hi all I'm planning on calling on my lender about how much it would cost to convert to our residential mortage to a buy to let.... Any ideas how much this would cost?
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Help! Confused about Endowment Claim
Hi, I was wondering if anyone can help me. We were sold an Endowment Policy from Scottish Amicable (Now Prudential) in 1989 by Leeds Permanent Building Society, which also doesn't exist any more. Do I contact the Prudential or whoever took over from the Leeds? I know that we only have a very short time in which to claim,…
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can a PEP mis-sell get compo similar to an endownment?
I took out a PEP from Nationwide in 97 rather than an endownment. The performance is poor - less than 50% of original £70k is currently forecasted. I have recently written to Nationwide who are investigating - just wondering: - after this much time can it still be considered? AND - will they consider it in the same vein as…
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Overseas Mortgage
Is there any lenders who are offering to buy a property overseas and you make repayments by monthly here in uk from your account. i am looking to buy a property in egypt or pakistan or duabi but not more then 50,000 pounds. any information regarding that. Thanks.
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Agreement in Principle through to Offer
Can someone explain in simple terms what the process is in terms of a lender converting an AIP through to an actual Offer? Lender requested Payslips, P60, ID, Proof of Residency - what do they actually do with them? Just wondering what happens in the (long drawn-out) dark murky side of things that the applicant never gets…
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Friends Provident Endowment
My FP endowment policy was taken out in Aug 1999 and was meant to reach £20K by 2019. Surrender values have been as follows: 17/12/2002.......... £1,329.33 12/01/2003.......... £1,381.00 14/03/2003.......... £1,397.25 18/05/2003.......... £1,544.83 02/06/2003.......... £1,592.50 02/07/2003.......... £1,641.39…
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Northern Rock Problems
Morning all, Id just like to share my experiences of Northern Rock with you, mainly to vent my frustration but also if any one has any advice/suggestions. Our fixed rate Together 2 year deal came to end on June 1st this year, so in March they wrote to us detailing a list of there wonderfull products, i looked into it and…
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Time to switch?
I'm after some advice! I have a mortgage with the One Account. I've got a mortgage of £68k which is offset by 'savings' of £22k. Property value that the mortgage is based on is £110k (prob nearer to £150k now) and my facility is £78k. Interest rate is currently 6.70% I love the offset aspect of the account as I'm not…
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Advice with mortgage and existing debt?
[details removed - now all sorted.] Thanks to those who responded.
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Mortgage application with Woolwich
Hi all, we applied for a mortgage in December last year with the Woolwich but the sale of our house fell through so we couldn't go any further with the application, it was agreed in principle though. We have sold our house again and applied for the mortgage again through a mortgage advisor (as we did last time), firstly…
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Reference Q’s mortgage companies ask? Help pls!
I have a mortgage in principal for a 107% mortgage. (Needed as properties in Scotland have this out of control offers over asking price system!!) . My question and worry is the reference question the mortgage company will ask my current landlord………I have been a tenant with them for almost 14 years. I am not in rent arrears…
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Help please advise me
Hi, i have such a worry at the moment, my husband and i found a house and saw a mortgage advisor, i am self employed and my husband is employed, we were asked for proof of income including payslips and as i was self employed i was asked for proof of my gross income. My accountant had my books at the time as she was doing…
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Is there A Mortgage Out There For Me??
Hello My girlfriend and I current have a mortgage of £93k (which was basically the maximum that we were allowed to obtain at the time - 1year ago) Are there any mortgages that take into account affordability as well as salary multiples? The reason i ask is that my girlfriend and I neither Smoke, Drive or Drink and as a…
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Chesham BOEB+0.09%
Hi all, I was just wondering what you thought of the Cheshams new flexible mortgages. At Base + 0.09% for life, it sounds pretty good :D Anyone know how good they are? Thanks satpal
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Agreement in Principle Question
Hi, My girlfriend and I have found a house we'd like to buy but as we're first time buyers we have a question about getting a mortgage agreed in principle. We haven't made an offer yet because our mortgage broker is away on holidays for the next two weeks. When we last saw him, he told us to go back to him once we had…
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Additional name on mortgage
Hi is it possible to add name to mortgage during fixed rate period or would you have to wait and what would the fees be? Any help would be great ,thanks.
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How long should a direct debit mortgage payment take to come off the balance?
I rang for a balance on my mortgage and was given an amount which took account of my last payment (on the 25th May). In the same phone call I then asked for a redemption statement and she quoted a figure which did not include last month's payment. I asked why and she said it takes 10 working days for a direct debit payment…
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guarantor
I have had an offer accepted on a property of £160000.00. The purchase wasn't planned but it was a bargain and I'm fed up of moving around renting. I wanted a 100% mortgage and my parent as a guarantor. When I went to see about a mortgage I was told I had to have a 5% deposit and couldn't have a guarantor, he would have to…
