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Consent to Lease
I bought a property last February with a dependent relative's mortgage from the Halifax. This was a 2 year deal which ends in December this year. My relative recently died and so I want to let out the property (as if I sell it now I lose about 15k by the time you factor in purchase and selling costs). Halifax want 500…
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a little advice please
hi, my husband has got a new job,hence his pay date is now different.i rang the mortgage company to move the date of the payment back a week.they said they dont do this they have 2 dates on which mortgages are paid,then said i had to contact our bank and they will change it.i tried the bank they said it is the mortgage…
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Second Charges
We are due to re-mortgage at the end of March. We bought our home as a new build under a 'regenaration'package which meant we got it at a discounted price. The 'second charge' was under Scottish Homes. We do not owe this money. We (all neighbours included) were told there were some 'rules' e.g.we could not sell within the…
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Mortgage Fees
Hi there, this is my first post on this website which I am becoming highly addicted to. I have been reading about reclaiming Mortgage Exit Fees and was wondering about Mortgage Arrangement fees. These seem very high considering the interest that is paid on the Mortgage itself. Is there any chance of us reclaiming these in…
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Mis-Sold Old Allied Dunbar ALP???
Have been reviewing FIL finaces since death of MIL - most everything sorted out but........ Many years ago (1993) they bought their council house, they are / were fairly low income so the mortgage they were offerred was basically interest only until they both passws away - am ok with this as they couldn't really afford…
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Endowment Maturity
We have a Legal and General 25 year endowment that is due to end in August 2008. The basics are: Basic sum assured £10,050 Existing bonuses £13,237 Current final bonus rate 66% L & G advised on 15 December 2007 that assuming 6% growth the final maturity value would be £33,000 I’m pleased to say the maturity value will…
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Mis-sold policy?
My 2yr fixed rate morgage was up on my flat in november so went to First Morgage to get a remorgage as they were the company i used when i originaly took out the policy and i was quite happy with them. I was looking for a morgage policy with the view to buying a house in june which would mean increasing the loan amount.…
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Mortgage Advisor seems to be withholding information
HelloI don't know whether I'm being paranoid or not but I'm uncomfortable about going ahead with a mortgage arranged by a broker; in any case it is not ideal as it is a 34 year term when I have done the calculations and can afford 20. (£71,500 at 5.9%) works out at £510 a month? Or am I missing something?Secondly she came…
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Mortgage Calculator - Overpayments
Hi, All the mortgage calculators I have found assume that any overpayments you make will be on a regular basis, £100 per month for example for the remaining term of the mortgage. Does anyone know of a calculator that will show you what will happen if you overpay say £100 for 20 months, just as an example ? Thanks, Ian.
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Is there any chance of fixed rate mort decrasing?
Is there any chance that fixed rates will go down at all over the next few weeks? My current mortgage fixed rate ends end march, due to having an equity payment too which is fixed until 2009 with the same lender it is best for me to take out a one year fixed with my current lender ( yorkshire bank) which rate is 6.34%…
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What to do with endowment?
Hello all! (This is my first post.) I have a Standard Life endowment, with CI cover for both myself and my wife, taken out in June 1998. I paid off all bar £20 of our mortgage recently, so the endowment isn't required for it's original purpose. I briefly looked at selling it last year but was told by Standard Life this…
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Adverse credit,secured loan and getting a mortgage
Hi we have a financial advisor and he has tried to get us another mortgage(we currently have one from Northern Rock). The thing is basically we live in a 2 bedroom flat and need a bigger house. we have seen one and the guy who is selling it wants to part ex for our flat. the price is £164950 and our flat is £95000 our…
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Opinions on rthis mortgage deal please :)
Ive got a principle offer on the deal below.... just would like your opinion as im a paranoid type! RBS 2yr tracker @ 5,7% (tracks BoE) 600 arrangement fee no exit fee after offer period works out £660 / month (111,000 with 5% deposit) i know its all a bit vague, just would appreciate feedback on the quality of the deal :)
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Remortgage Advice please
My son applied for a re-mortgage in December .He wanted to change it to a fixed interest rate. He signed up for it in front of witnesses. This morning he received a letter from their solicitor telling him the file had been closed on his application, he was under the impression that it was all done and dusted. Can they do…
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!!!!!! Do You Really Like This???
BEcause I know you DO
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mortgage corporation/who bought them out.
Did anybody have a mortgage with the mortgage corporation. My wife and i are trying to find out who took then over in reference to asking them to write a letter for us to legal and general as a disclaimer over an endowment we want to cash in which isn't linked to a mortgage any more. If any body as done this with the…
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prudential sub fund
has anyone heard any news on the prudentials "reattribution of the inherited estates of with profits sub fund". i received a leaflet a few months ago,but have heard nothing since, it's something to do with endowment polices,
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estate agent advisers.
Wondering can anyone help. I am in the process of applying for trainee mortgage positions at various estate agents. Can any estate agent advisers, give me an incline on what could be asked at an interview, for countrywide estate agents: bairstow, abbotts etc? Thanks in advance.
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should i fix for 3 or 5 years?
hi, my current fixed rate finishes next month. ive been offered a fixed rate with the cheshire 5.99% no fees - loyalty deal, i can fix it for 3 or 5 years. how long should i fix it for? any help or advice is appreciated, thankyou !!! i currently pay £348 per month (was fixed at 4.6%), but this will jump to around £440 on…
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Student Loans & Mortgages
I'm looking to get a mortgage in a few months but have some outstanding student loans. Will this effect my chances of getting a mortgage, should I pay off the loans before I apply?? :money:
