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How long is an agreement in principle generally good for?
I want to start looking in the next few weeks but want to get the mortgage approved before time. How long does a AIP from a bank generally last for?
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help please
I was mis-sold an endowment in 1986(before thr FSA rule in 1988). I cannot get help from anyone of what to do ? Have contacted FSA, they cant help-can anyone out there give me some advice? Thanks
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Endowment Misselling Questionnaire
Hi, Pearl have asked me to complete a lengthy questionnaire in relation to my ongoing complaint over the potential misselling of an endowment policy. I have been asked to provide full details of my current savings and investments - why do they need this? Do I have to provide this information? I'm not too happy about…
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Is this the best halifax deal?
The deal we have been offered is as follows: Fxed rate for 3 years 5.89% with £799.00 arrangement fee Anyone know of one better? We have to stay with Halifax so we dont have to resubmitt income etc due to change in jobs! Thanks in advance! Feisty!
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Switching lenders, do we need to prove income etc all over again??
Hi all, Due to renew mortgage in january next year so been looking around for good deals, we have been getting advice from an independent financial advisor who is willing to wave her fee if we use her. BUT she has now told us that as we may be switching from Halifax to someone else that we will need to re-prove income etc,…
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Buying a house plus a building plot -mortgage
Can anybody advise me on the name of lenders who will give a mortgage on a house with a building plot. Nationwide, after 6 weeks and a survey - have said they will not include the value of a building plot when buying both. In other words the plot with detailed planning permission cannot be valued only the house has value.…
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Switch to tracker now - fix later
I am currently being advised to remortgage in Jan when my current Abbey 4.39 fix ends, to a tracker at 5.98. This is with a view to fixing later after the rates have dropped. My only worry is that the medium - long term fixes won't drop, and I will have been paying more than necessary in the mean time. Do these rates…
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Final Mortgage Statement
Hi, Hoping someone might be able to offer advice. I've recently switched mortgage providers and my old provider First Active, has said that they don't provide final mortgage statements. I'm suspicious that they haven't calculated my final redemption amount correctly, but without the statement I am unable to check this.…
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Mortgage - paying additional amounts
We are saving additional funds for our mortgage to assist with endowments that may fall short when our term ends. We have a lump sum to pay off and someone said if we pay it before December it is better as they take this off before adding interest. Can anyone advise on this....
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Is Fixed or Variable the best route at the moment?
Hi Guys. I've been reading the forum avidly over the past few days as I am in the process of re-mortgaging. Most posters seem to be of the opinion that interest rates probably won't to anything much over the next few months, and some are even predicting the chance of a .25% drop! I had decided to not fix at the monent…
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Motgage deal runs out in Jan. Any suggestions please?
Our current mortgage deal with Nationwide runs out in Jan 08 so I am looking for a new deal. We are currently on a 2 year tracker (0.04%). I have had a quick look at Nationwides current deals and they don't look that good although I am no expert. Can anyone point me in the direction of any good deals please?
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Adding a partner when remortgaging
I am currently trying to re-mortgage my property (and have been doing so since June). I want to add my partner to my mortgage at this time but have just been told (5 months after the initial application) that they will not do this until we have paid them £350 solicitors fees. This seems quite a high amount and also I feel…
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Mortgage Redemption Fees
Hi - Does anyone know of any lenders that will pay your redemption fees (not switching fees but actual redemption fees) to encourage you to choose them as your new mortgage provider? I have gone and got myself locked into something I'd like to get out of but as you would expect it is quite costly! Ever the optimist I…
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Mortgage worry
Hi I hope someone can help, sorry in advance if this is rather long Bit of background info....... my partner already has a mortgage on a house which is up for sale, but has no offers as yet, the house has a small mortgage still outstanding on it of approx 70k. We have found a house we would like to buy, its 270k we have a…
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Offset Mortgages currently offered
Hi I'm currently think of re-morgaging my Discount Variable mortgage of £148,000 into an Offset Mortagage. I have £50,000 savings hence i looked into Offset and they offer the best value in terms of the most savings as i'll be paying interest on £98,000. When i contacted a reputable broker, they found a two year tracker…
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Nearly decided on mortgage need just a bit more help...
It is hard to decide between fixed and tracker rates. After posting on this board last week my son has decided to go with a BoE tracker in the hope that rates will come down. He has picked two excellent possibilities. One mortgage is the Britannia 2 year tracker with no tie in at all . £499 in fees and rate of 5.8%…
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joint application with non citizen
HI allI'm re-mortgaging in a few months, I currently have a Halifax mortgage 4. Something. We took this out mortgage 20 months ago and my wife was not a citizen so therefore was not on the electoral roll. I assume no electoral role = bad credit scoring, she was a resident though. We managed to get a joint mortgage no…
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How to arrange Let to Buy Mortgage ?
hi all, Need some advice about arranging a mortgage. I have basically offered on a house. With the following scenario : My house isn't currently on the market and I know the seller won't accept unless my house is under offer (quite rightfully) so I have offered to come in as a chain free buyer and if my house was to come…
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unitised with profits
having now paid of my mortgage my partner and i still have our unitised with profits profitbuilder with scottishlife.we pay a monthly premium of just under £102 for a sum assured of £29700.its now six and a half years old with a value of £3600.is it worth keeping it as along term saving plan.(bonuses seem to be non…
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Mortgage on 2nd property
Hi This is an enquiry on behalf of my sister. She currently has a £45K mortgage on a property worth £150K, has squeaky clean credit history been with halifax since the 1980's. She is thinking of renting this property out and buying another for £160K but has no cash deposit and 'only' earns £15-£16K. Is it possible to…
