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"declaration of trust" - ????
I'm buying a house with my better half and I have a few quid as a deposit. She has spoken to her solicitor to get the conveyancing done and the solicitor has mentioned arranging a declaration of trust regarding me putting a deposit on. I haven't said anything about this its come from my better half's head but has anyone…
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can anyone advise me clueless!!!!!!!!!!!
My parents have just been sent a letter saying that their halifax mortgage insurance (mortgage repayment insurance) has now ceased as dad has tuned 65. Can anyone explain what this means or how it will affect them. Any advice gratefully received! Thanks in advance KT xx
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Is it wise to sell and then rent for a while?
Dear all, New to this forum, but a regular reader of the site. I wondered if you had a view on an idea my partner and i have. We have been struggling to pay our mortgage over the last year, so have considered selling our house (ex - local auth) and renting for a couple of years in another area. We would then put our equity…
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Estranged Partner Won't Sell!!!!
Please help.:huh: I bought a house with my girlfriend at the end of 2006....unfortunately things did not work out (quite spectacularly) and I moved out shortly afterwards. Since then she has done everything possible to stop me from moving on with my life! As she is in a financially stronger position than I am she sits in…
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3 month LIBOR
Just a quicky does anyone know where on the net I can find an historical month on month record, of the 3 month sterling LIBOR, for the last year. Have found a US dollar one but no sterling. Cheers Gareth
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Mortgage query on ex-local authoirty flat
Hello guys. FTB here trying to get some practical advice on getting a mortgage. Our broker has found us a fixed rate deal with Bristol & West. It's 5.69% for three years, with an arrangement fee of £700. Wasn't happy with the costs of the fee or the fact that that it's three years rather than two, but the broker (Charcol)…
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Maximum LTV for a Second Mortgage?
Hi all, Basically I currently own a (residential mortgaged) flat, but we have essentially out-grown the flat and are looking for somewhere a bit bigger. However, we are not willing to sell the flat, because it is in a prime location for rental. So our plan is to get a consent from our mortgage lender so that we can rent…
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Misselling endowment claim Barclays offer
I wrote to Barclays insurance two weeks ago a letter stating I believed I had been miss sold an endowment insurance with the usual promises of on maturing it will pay not only my house but a lump sum as well. Instead I have a shortfall of £6.0000. I had a call from a Barclays rep last night saying they were going to "Save…
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Mortgage Redemption Advice Needed
Hello, I have a small mortgage on my property which I will be in a position to repay in about 1 week. I've just come to the end of my fixed interest period so there is no early repayment penalty, nor is the redemption reliant on a sale or remortgage. It is, in theory, a simple redemption. My question is related to the role…
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Can you barter your way to a better deal?
Will I be absolutely wasting my time if I try to barter a better deal with the Nationwide when I remortgage at the end of May? Has anyone ever tried & suceeded to do this? Surely to keep people's business it would be in their interests? Our fixed rate of 5.09% finishes at the end of May and there are many better deals…
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Two mortgages on a property?
Hi, Quick question: Is it possible to have 2 mortgages on the same property? (with both mortgages and deposit adding up to 100% of purchase price(and not 2 mortgages of 85% or anything silly!!)) Background: My partner already has a mortgage locked at 4.95% until 2011 for lets say £100,000 on a property valued at £150,000.…
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first direct? or stay with my lender? HELP
hi, advice wanted please. i owe £57,000 and have 17 years remaining.my current fixed rate ends next month and i need some advice please. ive been offered 5.99% 3 or 5 year fixed rate with no fees by my current lender. but ive also seen first direct are doing a 3 year fixed 4.99% offset mortgage and also a 5.15% 10…
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is a mortgage deal at 5.99% with arrangement of £900 or thereabouts
sound any good? no penalties and it is variable. the arrangement fees sound very high to me. i imagine that interest rates may come down next week? any tips appreciated. thanks!
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Any advice from self employed mortgage brokers?
Hi everyone, This is my first post here on MSE. I have been reading through plenty of previous threads, and can see how helpful some of you other brokers are. So I thought i would ask for some advice myself. I am a mortgage broker, working for a small independent firm in the south east. I have 18 months experience in the…
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Not sure on what mortgage is best suited
Please advise me on which mortgage to choose... My mum has her mortgage with some rip off firm charging her 10.4%, her repayments are 280pcm but she pays 300pcm & the balance doesnt seem to be coming down. I have advised her to re-mortgage which shouldnt be a problem for her, im just not sure what mortgage would best suit…
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Mortgage with DMP
Hi All I'm just after some advice please about my situation. I have a DMP for about £40,000 which ive being paying off for the last 2 years. Even though I havnt missed a payment I have 3 defaults on my credit file. Ive moved in with my other half and we would like to add myself to the mortgage and buy out her sister. The…
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Remotgage - Should I reduce the term?
Hi All The time has come to remortgage and I am after some advice. We currently have 23yrs left on a repayment mortgage and We will be looking to move house (up the laddrer!) in 3 - 5 years. We can currently afford to reduce the current mortagage term down to 15yrs, so should we a) reduce term in years and pay more each…
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Mortgage Problems
Morning All, I have a bit of a problem, or should I say my Girlfriend has. She has been planning to buy a house and we have been going around several Mortgage Advisers and finding out what we can get. Now on her wage of 14500, they are offering her 70K Mortgage, which is fine as with her 20K deposit, makes up to 90K which…
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Overseas mortgages
Hi everyone Could anyone suggest a mortgage broker for a mortgage in Mexico? Long shot I know but thought I would ask. Anthony
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Mortgage Broker - MAP
Hi Has anyone had any dealings with the company Mortgage Advice & Practice Ltd Just spoken to a mortgage consultant from this company who seemed to know his stuff and is going to get back to us with the best deal for us. I have read Martins guide to mortgage brokers and I underdstand that this company offers me Whole of…
