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£100 bank admin fee for home buyers survey
Yet another 'administration fee' the banks slip in. Has anyone complained about this particular one? With a mortgage you have to get a home buyers report done through your lender. They have charged this £100 fee just to make a phone call to the surveyor who then call us to set up date, time etc. I called them to ask what…
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online company comparison sites
Hi all, i'm now looking at a possible remortgage of my house and i was told by a friend to look at one of the comparison websites which show loads of deals from different mortgage providers. Has anyone ever used one of these?? i looked at one, godirect.co.uk i think it was and there seemed to be some good deals on there,…
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Buy To Let Mortgage
Hi all,Looking for some advice regarding a buy to let mortgage.My wife and I have recently been accepted to buy a flat to rent out. We have another property which is currently rented and we will shortly be remortgaging to borrow the deposit for the new place.The new property is in Scotland and is a 2 bed 1st floor tenement…
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Endowment settlement
How do we know the settlement is the right amount, can anyone tell me or how we can find out what to expect.
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jollyseller
How do we know we know the money we have been offered to settle our endowment claim is right? can anyone tell me what we should expect.:mad:
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Euro versus sterling mortgage
We have a house here in NI (no mortgage). Have a property in France (small euro mortgage). We are thinking of buying a retirement property in the south of Ireland (euro currency). Would we be best to take out a uk sterling morgage, extend the exisiting French euro mortgage or take out a new euro mortgage.:confused: Any…
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Mis-sold endowment by a solicitor
Hi, I have already read a similar thread on this issue and the overall opinion is "if you don't have written proof, forget it!" The only aspect of the mis-selling which I think I can prove was the banking of a cheque given to us by our solicitor as an incentive to buy the endowment he was selling (it was 50% of his…
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Moving to a more expensive home with additional borrowing
Hi All, I'd value any advice you may have to offer on the following... I am one year in to a fixed rate ten year mortgage with Barclays. I'm looking to move to a bigger house and would need to borrow extra money to do this. The overall LTV would still be less than 80%. My salary multiples and affordability calculations…
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re- national homes loans
Has anyone had a dealings with national home loans? We have had eighteen years of hell.:mad:
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will threat of redundancy hinder application
we are in the early stages of selling our house but have still not found a house to buy yet. my partner has been informed officially in writing that every employee is at risk of redundancy due to cost savings. we have not yet taken any mortgage advice but would this position hinder our chances of getting a competitive…
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125% mortgage and repossession!!!
Just wanted to get some ideas from whoever knows.... I have a 125% mortgage , £200k...... not been remortgaged long and I have some credit cards £20k and a loan £25k. For personal reasons I am thinking of declaring myself bankrupt!! I have tried to get as much info as I can but does not seem to be getting anywhere.…
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not sure if it's the right forus but need serious help!
i want to leave my other half cos he cheated on me! and keeps ringing preimer rate sex lines as well as other things. The only thing thats stopping me is we have a mortgage and loan together, we are not married, we have both got life insurance but i'm not sure what to do! What is my next step? What will happen?
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Opinions on Endowments required please
We will be remortgaging in the next few months and are looking at the possibility of surrendering our endowments (large shortfalls predicted on both) to pay off some of our mortgage, enabling us to convert it totally onto a repayment basis. I would really welcome opinions on the two endowment policies (details below),…
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Re-Mortgaging with same lender, any benefits?
My fixed rate has run out and now need to re-new but need to borrow an extra £150k. I have a £45k mortgage at the moment with the woolwich but will need up to £150000. (the flat is worth £130-£145k. new house is £240000). Do you get any benefits staying with the same lender? The woolwich have got another 2 year fix at…
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Mortgage on property with 52 year lease
Hi there, I would really appreciate some advice from any mortgage advisors out there. My boyfriend and i are first time buyers and have found an amazing two bed maisonette in an area in the south east of london that we really like. We've been looking since Feb, and this is best one we've seen so far. Its on the market for…
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Remortgage and Car Purchase - 2 birds 1 stone?
Folks, Just wanted your thoughts/opinions/experiences on the following scenario. In the next couple of months my fixed mortgage is due to expire and I'm shortly going to start the process of remortgaging to another deal rather than pay the SVR. Around the same time I'm due to change my company car. I've more or less…
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Mortgage for Bulgarian property
Does anyone know what the best place to get a mortgage for a new property in Bulgaria? It is due to be completed soon and the final stage payment is due.
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Who to send an Endowment Misselling complaint to?
My father has a policy from Norwich Union but is not sure who advised him to buy the policy, he thinks its an IFA but not sure. Also the IFA who he thinks may have advised him has now passed away. What can he do?
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Can I get a mortgage on a temporary work contract?
Hello, I am a first time poster. Can anyone tell me how likely it is for that I could get a mortgage whilst in a temporary job? I am currently in a job with a fixed term contract that was due to end in December but has recently been extended to the end of March; every time my contract reaches the end it just gets extended.…
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Advice needed: Raising funds to buy a house
Hi It's been so long since I last bought a place that I would appreciate some advice on the buying process as I have seen a new house that I wish to purchase. The agents are requesting a tender for the property which I will be lodging over the next couple of days to the value of £285k. I can pay a deposit of 25K, sell my…
