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Equity House - anyone heard of them?
I was passing through town on my lunch hour when I was stopped by a representative of a company called "Equity House." They were claiming they could reduce my mortgage payments and interest charge and raise enough money to pay of any redemption penalty - bear in mind I've only had my mortgage since May and it was 100%. The…
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Mortgage Confusion - Mistakes made by Abbey??
Hello everyone, I need some advice here whether to uncover the following mistakes made on my account or not! My head hurts from the last 2 nights of trying to work out options surrounded by various paperwork, so maybe you guys have better ways of working these things out - Here goes!!! We plan to move house pretty soon so…
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endownment selling can anyone help
Can anyone help need to reduce outgoings thinking of selling endowment to clear debts or am i better paying of the sum of my mortgage or keep going debts will decrease sure but slowly then edownment is ours as had to swop to repayment HELP PLSE .
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Some advice needed
Hi, Would really be grateful for some advice regarding a forthcoming re-mortgage.
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c & g and fsa ccs question
Hi can anybody help. I have a number of loans with the C & G and one of my fixed rates has ended. I went in to arranage a new deal today but decided to go on a tracker and wait a month or 2 to see if rates come down. Anyway when he worked out the new payment it was actually more even though the rate was lower. He said it…
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When asking for a further advance on mortgage??
Well we were looking at selling but our mortgage would trebble to got something only a little bigger so we are looking at extending. Now we will need a further advance on our mortgage, how do we go about doing it? we are with the Halifax?what/if any info will we have to give them? For information when we got our remortgage…
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Bad mortgage payment history - help
Hi, been looking at this site for a while now for advice on many things, it has been a total god send! Congrats Moneysavingexpert on an amazing site and users. I have recently enterned into a Trust Deed agreement (IVA to those down south) as my debts were out of control, it was the only way forward. My problem is though, i…
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Budget
Hi - need help. We are currently applying for a mortgage through scottish widows and they have asked us to provide them with a budget. I just want to know what sort of thing they are looking for us. We've done a budget and included everything we can think of but that doesn't leave alot left at the end of the month - but it…
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selling endowment to pay off debts
Hi, I am currently looking to re-mtg to another lender as my fixed rate finishes soon. My mortgage broker has said that I really need to sell my endowment and reduce my debts before any lender can lend us a mortgage. My endowment does have a large shortfall of approx £25000 and I had already considered doing this. Does any…
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Fixed rate term just finished...what now?
Hi all, The 2 year fixed rate term on our 2nd house just finished with Abbey and we got a letter saying the rate is going to jump next month but just under £300. Obviously I will now be looking for a better rate, but other than that don;t really know the procedure. Any tips or pointers where to go next - I think we'd…
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Remortgage question.
Hello. I wonder if anyone can help. I currently have a 5 year fixed rate mortgage with the Halifax, deal is ending about Feb/Mar 08, so obviously, i will need to remortgage. I have quite a bit of equity in the house as i put down a huge deposit, but i dont think i got the best deal mortgage wise when buying. The mortgage…
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Release of deeds from Northern Rock
I have owned my own home for some time now and have no mortgage on it. However, i have continued to take my home insurance and builidings insurance with Northern Rock because if I wanted my deeds to be released I had to pay a release fee. I am now in dispute with Northern Rock as they told me i had legal expenses cover but…
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Best Remortgage restucture - Open table
Hi Where to go to get a pre approved remortgage . Self Cert basis as 14month new business start and income streams preferred kept confidential at this time. So need to certify myself and have accepted . Need a remortgage for £46- 47k max but £15k my max I will sign off anyway. I dont want to pay much more than £300 pm on…
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House Offer....rejected...
Hi, started looking for a new home 4-5 weeks back and have seen one that we both like just down the road. called and put in an offer some 15k less than asking. my house went on the market about 3 days ago. called the EA for an update but she said the offer had been declined- too low, so i advised i could revise the offer.…
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Re-mortgage - where to get the info??
Hello all, please help a moneysavingidiot, Mortgage is due for renewal in Dec (end of 2 year fixed, need £210K)) and we have been through L&C looking for options. Currently Woolwich is looking favourable with a 5.59% (£995 fee) fixed over 2 or 5 years. We need the stability of a fixed rate (financial planning: childcare…
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Endowment Top-Up
Dear Martin I have an endowment policy which matures in January 2017, it has a shortfall and I want to ensure I avoid this. I currently pay £82.50 a month but can afford to spend £200. What is the best way for me to invest this money to give me a good return. Thank you Horse Lover
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Whats the latest on Nothern Rock
I havent been on for a while so was just wondering what was happening with NR. I have a current mortgage with NR and I have a new mortgage agreed in principle until 12 oct. My new mortgage was for an additional 57K but as I havent sold my house yet was wondering if I would still get new mortgage with them after 12 Oct.
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95% mortgage now only 90%
Hi all Just wondered if you could help me? We got offered a 95% mortgage but was withdrawl so only offered us a 90% mortgage, so decided no to go ahead, but now have a got a good deal else well but still only 90% i know we are Near prime, just wondered if there was any companys out there that still do the 95% mortgage for…
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Mortgage payment holiday -Advice please?
I know this isn't very money saving :o - but it would be helpful at the moment and I'd like some advice I have a 3 year fixed rate with Northern Rock which ends next August (2008) My mortgage T & C states "following 9 full consecutive monthly payments you may apply for a one-month payment holiday. In certain circumstances…
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Lifetime Mortgage
I have a lifetime mortgage (due to personal circumstances) which is coming up to review and I am looking to get the best deal of the same product. I am 67 and have a guaranteed income for the rest of my life and the paying is not a problem. I could not at this time of life take on a normal repayment one. My question : does…
