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What to do after getting a survey done
Hi I am in the process of buying my first house and i am learning as i go along. I have had a bid accepted on a house, the mortgage application went through fine, however as the house was built in 1900 i had a full structural survey done by an independent surveyor. They found several things wrong but nothing major. What is…
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Mortgage Offer
Hello everyone. Hopefully someone can offer advice or an opinion. We want to buy a house at £250000 with a deposit of £75000. Our existing lender turned us down as I only have 12 months trading accounts and a lage default of £19000 (disappears in Feb 08). I went to see their adviser who put it to the underwriters as a…
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mortgage early eget out charge
does anybody know if there is a way you can claim something back for leaving your mortgage early and having to pay a few grand charge for it. cheers
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Don't understand my current mortgage balance?
I recently signed up to online banking and it showed me my current mortgage balance. How disapointed was I to see it had hardly shifted! Am I being done by the bank or I my missing something crucial? I bought my flat 6months ago and have made 6 payements of around £420 which totals £2520. My mortgage the bank lent me was…
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Mortgage advise please
we are moving and need to find a mortgage for £85,000. We would like to have one that is discounted for 2yrs or 3 maximum. I've only had one mortgage before for last six years - with Northern Rock - which the discounted time has run out so as far as i know i have just £200 to pay them to finish it. Any advise where to…
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Financial Adviser
I have recently conntacted my financial adviser in regards to re-mortgaging. I havr recieved the paper and looked through it. But my question is when I approached my current mortgage lenders about re-mortgaging they quoted me an amount only a couple of pounds different from what the financial adviser quoted. Should I just…
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Endowment misselling settlement and mortgage questions
I recently complained about the misselling of the endowment on our mortgage - we have the mortgage with Nationwide, £32000 borrowed, balance outstanding £32313.10 with a current interest rate of 6.99% and 9½ years left to run on it. The endowment was sold to us by the Co-op (CIS) a month after the mortgage and we switched…
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Selling Standard Life Policy
I am trying to sell my endowment with Standard Life. I started it in 1988 and it matures in 2013. I have no mortgage but do need some extra cash to pay off other debts etc. When I started it in 1988 it was known as a "with profits endowment" with a sum assured for £30,000. Current surrender value according to S Life is:…
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national home loans
I know a person who is having trouble tracking down this company, he doesn't know if they still exist and has actually been informed by somebody that they are now paragon mortgages. is this true and if so how does it affect him? as he is trying to release the funds from his endowment he sold the house some years ago, but…
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I need advice please.
I have a mortgage which I owe roughly £36,000,but it`s not fixed and the rate has now gone up to 7.79. I seriously need to do something with this.I have a few problems which are; My ex husbands name is still on the mortgage,we have been seperated for the past 3 years.He has his own rented flat. I asked NR who I have the…
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Mortgage With Co-operative Bank
has anyone used co-operative bank for mortgage ? would you recommend them to us as first time buyers ?
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Am I entitled to reclaim this fee??
I wrote to my previous mortgage lender and asked them for a breakdown of the fees I paid. They recently replied stating that I paid a redemption fee of £75.00 a funding fee of £600.41 a redemption penalty of £600.41 settlement interest of £72.38 and deeds supply fee of £50.00. They stated that the funding fee and…
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Can I pay my Mortgage on my Credit Card each month ?
I was wondering if anyone knew if you can pay your mortgage each month on your credit card? If so, can you arrange a direct debit to do this ? It would be really good if you could, as then you would obtain cashback on your 'purchases'!! Thanks Tracey :money:
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Can I pay my Mortgage on my Credit Card each month ?
Does anyone know if you can pay your mortgage on your credit card each month ? If so can you arrange a Direct Debit, or would you have to make a payment each month ? Would be useful to know, as then you can obtain cashback on your 'purchases'!! Thanks Tracey:money:
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mortgage with co-operative bank
Does anyone have a mortgage with co-operative bank ? would it be a good recommendation to use them a first time buyers ?
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First payment after remortgage
Hi all I was a bit shocked today to see a Mortgage payment come out of my account for a Mortgage I moved on 1st June. The payment date is meant to be the 2nd of each month. I have checked the paperwork and it does indeed say that a payment will be made around 20th June, followed by normal payments starting on 2nd July. I…
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First Timer-Offset? Fixed?
Any advice on the following figures for a first time buyer purchase???? The Offsett One Account/I.F./First Direct?? or a 4.99% First Time Fixed Rate? Mortgage Borrow Limit=#200000 Savings=#30000 Higher Tax Rate Payer
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Natwest Upped My payments!
I have had my mortgage, which is fixed, with Natwest now for 4 months. On checking my online banking statement last Friday, which I do daily, I noticed my mortgage payment (on a direct debit) has gone up by about £25ish. That's strange I think, I haven't had a letter or anything explaining this. So I ring them up and they…
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Another Endowment Question.........
Thirteen years ago I was sold an endowment policy by an employee working for an estate agent. I made a complaint, like thousands of others and received redress. My question is how does my making a claim affect the person who sold me it now that they have set up on their own as a mortgage/financial advisor??
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Urgent Mortgage Broker Advice Needed
For all you mortgage brokers out there, is it feasible to get a mortgage based on the following:- purchase price £166,500 mortgage needed £156,000 which is just under 4x joint income of £42k. please help - I'm getting frantic :( any advice on which lenders may do this ????? any advice at all ?????
