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Reclaim Mortgage Arrears Charges. NEW CAMPAIGN.
Were you charged a fee for getting behind on your mortgage? 'Mortgage Arrears' are the monthly charges some get when they’re behind with their mortgage payments, very similar to unlawful bank charges. The Govan Law Centre, a Scottish non-profit legal centre, has launched a website to help people reclaim them, possibly…
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Chelsea Building Society v Woolwich
Hi, can anybody help. I could do with any good or bad reviews about either using the Chelsea Building Society or Woolwich for remortgaging.
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Mortgage application fee
Hello First time on this site, so excuse if I'm asking the wrong thing in the wrong place. We applied for a mortgage last week which was agreed in principle by the Woolwich through our IFA, so we sent off a fee of £995 to complete the application and then they refused the mortgage. They're now claiming they can keep the…
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help.....transfer of equity???
:confused: my ex-partner and i have a mortgage in joint names,both names are on the deeds of the house.basically i would like to have the house in my sole name.i did some research and followed the guidelines.mortgage lender agrees that i can manage repayments on my own,ex has agreed to sign house over and doesnt want any…
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FTB with bad credit but good deposit
I wonder if anyone could help me with a query. My partner and I are looking to buy our first house as we are sick of chucking £900 a month down the drain. We are based in London and are looking at properties around £250-260k. We have 60K to put down as a deposit and our combined annual earnings are around £65k. I think in…
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Advice on raising additional funds.
Hi. I recently remortgaged my property to pay for a large building extension. I could only borrow an additional £40k which I have now used up and the building work is no where near completion. I spoke to my mortgage company and they said I cannot remortgage again until January when I will have had the mortgage for 6months.…
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Advice on raising additional funds.
Hi. I recently remortgaged my property to pay for a large building extension. I could only borrow an additional £40k which I have now used up and the building work is no where near completion. I spoke to my mortgage company and they said I cannot remortgage again until January when I will have had the mortgage for 6months.…
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Legal & General Fees
Hi, We've just got a letter from legal & general to say they are increasing the fees on our endowment we have with them. Does anyone know if they can legally do this? Are they required to maintain the fee level through the duration of the term / contract? Anyone any thoughts? Thanks in advance.
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Should I over-pay on an interest-only mortgage?
Hi, I have one-year left of the fixed term on an interest only mortgage (£245k @ 4.55%) and intend to change to a repayment mortgage at the end of the term. I am able to overpay £250 per month. How do I work out whether it is better to overpay some of the capital now, rather than putting £250 per month into a savings…
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Arrnagement Fees
Hello I'm looking for a bit of advice. I'm currently looking for a remortgage as my current mortgage is almost up. I am looking for a fixed term loan for £108,000 for 3 years. Have found a few good offers but most seem to have arrangement fees of at least £500. I'm a bit concerned with this as if I put it onto the mortgage…
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Advice needed on current mortgage please
Hi, I'm pretty good at most things involving money, insurance, gas, electric etc. But, mortgages have me stumped I'm afraid. Back in 2005, my wife and I bought our first house and took an HSBC homestart mortgage. The loan is for £129,000 and we have been paying £536 for 24 months. This is on a fixed rate of 4.99%.…
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Advice Needed Please
Hi guys, My current mortgage deal is due to expire at the end of July next year & I want to consolidate my current finances when I take out the new mortgage. My house is currently worth around £175,000-180,000 & I have a mortgage of £127,000. I also have a secured loan on the house for £26,000. Do you think it will be…
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Does marriage change credit rating?
I'm planning on buying my council flat in May next year but myself and my fiance were thinking about getting married before then. My credit rating is ok but he has a ccj against him and a bad credit record. If we get married before May will the credit agencies financially link us and bring my credit rating down? Thanks in…
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Selling a Standard Life endowment
Hello I'm planning to sell a Standard Life endowment assurance to pay off credit cards. I know that it's not the best thing to do as the policy has only another four years to run but I need to pay off these CC debts before I sell my house and then buy another house in joint names with my fiancee. I've been offered £16668…
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When can I start to arrange a remortgage
Hi all Sorry if this is a really thick question. :rolleyes: Our Halifax 4.49% fixed rate mortgage will come to an end in April 2008 and I have been looking about and have seen a couple of fixed 5 year mortgages that may suit us. However is it too early to be looking or can we start to make arrangements that will kick in…
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Advice on Re-mortgaging
Hi Guys, 18 months ago I took out a mortgage for £63500 over a 25 year term at a 2 year fixed rate of 4.99%. I am going to be looking to re-mortgage with a another lender soon but need advice on weather to lower the term down to 20 years and pay a higher monthly payment or continue on the 25 year term and pay off extra…
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Apologies......a missold endowment issue
I'm after a bit of advice! I have been chasing for 3 years (3 bloody years) compensation for a mis-sold endowment of £35,000 from back in '87. The broker is no longer with us & as a result it has gone through the FSCS. After numerous phone calls & getting no where very fast, they have sent me a letter offering me £867.…
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GE Money Mortgage
My husband has deserted me leaving me to pay the mortgage on my own. I can't afford this and have put the house on the market to move in with my friend until I sort things out financially. I own 95% of the house as tenants in common my husband 5%. There is mortgage arrears of 2k which I have no hope of clearing. I take…
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Looking for Fixed Rate BtL Mortgage
Hi all, Need some help regarding a buy to let mortgage. Looking to borrow 86k against a property valued at 105k at a fixed rate for as long as possible and based on a 25year term. Property is currently being let (current lender has granted consent to let) and the fixed rate is up in the next few months, however, need some…
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northen rock mortgage
me and my partner were first time buyers and took out a mortgage with northen rock because my partner is self employed and they were the only ones really that would look at us,we took out a fixed mortgage with a 1000 pound cash bk offer which basically ment it knocked a thousand off our mortgage the contract was for 3…
