-
newbie mortgage advice please!
hi all i am utterly confused with all the info about mortgages. i have had defaults and late payments on a mortgage when i was in the middle of divorcing my ex husband over 3 years ago now (i kept up my half) it has all been paid etc. i had a couple of late payments in a couple of credit agreements about 2.5 years…
-
Proof of Job
Hi. Me and my OH are planning to buy our first house this summer. I have recently started a new job and understand I have to of completed 3 months service before being considered for a mortgage. I have been at my job now for 2 months (since early Nov) , however, I currently only have one payslip (for end of Dec) as I…
-
Mortgage minefield
We need to find a broker who will help with a good self cert deal on a mortgage - self cert because I am SE, partner is not currently SE but planning to be soon. Not entirely sure where to look yet, any suggestions/recommendations would be appreciated.
-
A&L New Mortgage Products ?? When ??
Gents / Ladies,Does anyone out there know generally how often mortgage providers chage their products.I'm keen to stay with A&L but their current range are not competitive?
-
Prudential Endowment final bonus
Does anyone know what this is likely to be on a 15 yr £100 per month policy? Mine is about to mature in a couple of months and I was wondering what to expect
-
Can anyone recommend the best deal available on:
I am considering the 3 deals below. Preference is for a 5 year as 10 years is a long time to commit. Does anyone know of any better deals available along these lines (there are some lower rates than the 5 year one but have higher fees and no freebies). 5 year fixed - 5.63%, free legal and valuation, 5 year erc, £499 fees…
-
Endowment - quick question
I have an endowment with critical illness cover from Scottish Widows. I currently pay £79.14 per month and have been paying for just over 8 years. The cash in value is around £7,300, less than I have paid in. I spoke to them about when I could expect to see it equalling the amount I have paid in. They told me that they…
-
90% of NU endowments to miss target
Big falls in this year's payouts on maturing policies.:( NU is supposed to be one of the better providers, so expect worse elsewhere. Mail
-
Can IFAs get better deals?
I am disappointed with a couple of offers made by IFAs. Maybe I was expecting too much, and thought they had access to great deals rather than just high street ones. I have spent some time on MoneySupermarket and used the tables at the back of a mortgage mag to find deals on the internet. Was looking for 5 year fixed and…
-
Leeds 10 yr fix 4.99% - good deal?
or wait to see what 7th Feb brings
-
Northern Rock Mortgage
I have my mortgage with Northern Rock and was wondering do i change my mortgage to another company or stick with NR,im not very savvy in the world of mortgages and im not sure what to do...any advice would be greatfully recieved.
-
fixed rate ending 1 april
want to remorgage when do i make contact with lenders thankyou
-
What Is The Best Buy To Let Remortgage Rate Now?
Hi Bit Out Of Touch With Btl Deals Anyone Know The Best Btl Deal For £55k Interest Only Remortgage Cheers Dave
-
clueless bowt remortgage
My current mortgage £40500 on fixed rate runs out end march from 5.1% to SVR 7.6% but we also have an equity mortgage with the same bank of £19500 which is fixed until 2009 with a £600 penalty fee if we were to move it. I don't know whether to stay with yorkshire bank and pay the SVR till the equity mortgage fixed rate is…
-
Reducing Mortgage Years
Ok our mortgage is up and we are looking at reducing the term of our mortgage to either 20 yrs or 18 yrs. We have been given the following figures and are very confused as it doesn't seem to make any sense. They are as follows: 110000 Repayment over 20 yrs = £777.95 per month (5.84%) 110000 Repayment over 18 yrs = £824.11…
-
Signed up for mortgage and just been made redundant?
Hi I signed up for a mortgae in December and I have just been made redundant with immediate effect. The completion is going to be at the begining of February. What should I do? I have sufficient money to keep me going for a while and family have offered to help. The company I worked for has gone bust. Do the mortgage…
-
Mortgage Exit fees
Hi all. I took a mortgage out a year ago with Future Mortgages and was told that I had to stay with them for three years otherwise i would be charged £3000. I recently received a letter from them saying that the mortage exit fee had now been changed to £300. Is this the same thing? Thanks people. Gav
-
Someone in DFW suggested I post this here ...
Can anyone help me with a mid-long term goal please? Since joining, I've decided to consolidate all my credit cards and according to plan, they will be clear by October :j My question is what to do aim to do next (I need goals :D ) .... I have a 6.9% APR loan that will stand at about £6.5k by October .... should I plan to…
-
Fixed rate ending need advice please
Hi my Halifax fixed rate mortgage is ending the end of this month,how do i go about getting a new deal with them :confused: my house isnt worth much ( £90,000 ) and i owe (£41.000)i was paying £214 a month and now it is rising to £285 on normal varible rate, i just havent got a clue any advice would be helpful,thank you in…
-
Mortgage Advice fixed but for what term?
Dear reader, I'm about to get myself a 155000 mortgage and I want to pay it off as fast as possible. I've run a few sample quotes and I can pay off in 13 years at a slight stretch BUT if my better half n I have wee uns this will be a stretch too far. So - is it best to go shortest term possible and scrimp or longer term…
