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Tips on selling on an endowment, please?
I would like to cash in a "With Profits" Standard Life endowment 10 years into a 25 year plan - can anyone suggest some useful advice or sites where I can maximise my return? Cheers :beer: SMcC
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Building Society Accepts Wrong Advise
Hi, need advice.A well known building society have accepted they badly advised me when I attempted to port my mortgage to a new house and hence I lost a 3.5K early repayment charge and also the 4.99 fixed I signed up to 2 years ago.I sold my house, paid the 3.5K ERC and am in renting until this is sortedThey have now…
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I have an IVA and want a mortgage
I have been in a IVA for approximately 18 months but would now like to get a mortgage is this possible if so what do I have to do.
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Cost of remortgaging into joint names
My husband and I are trying to remortgage with our current provider (Woolwich/Barclays) to put our house in to both our names. We currently have a mortgage with the Woolwich (in my husband's name)and the Woolwich have told us they want £295 exit fee and a £90 valuation fee. On top of this we also have to pay a solicitor…
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Cost of remortgaging into joint names
My husband and I are trying to remortgage with our current provider (Woolwich/Barclays) to put our house in to both our names. We currently have a mortgage with the Woolwich (in my husband's name)and the Woolwich have told us they want £295 exit fee and a £90 valuation fee. On top of this we also have to pay a solicitor…
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Help getting my head around my mortgage.
Just had an annual mortgage statement. I think I have got the gist of it but to avoid any sleepless night could someone help please? Right, we have 6 years 6 months left on the mortgage. Amount owing 78k (rounded off) on 31.12.07 We pay £750 a month part payment - interest 6.65% and have an endowment of 47k (but this will…
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remortgage with bad poor credit history
My current tie in is up soon I am currently with Future mortgages on a rate of 5.6% they have offered me a new rate of 6.77% I have looked into getting a remortgage but the current sub prime rate is about the same as future is offering me. Am I going to have to stick with future mortgages till i sort my finance out or is…
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calling all mortgage advisors or financial whizzs
i'm actually asking this on behalf of my cousin who was asking me about this last night. she has a 6month old baby, she is on maternity leave at the minute but she does work full time though she does not earn a high wage. at teh minute she lives with her younger sister who is a student so she is the only person in the home…
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Help! Remortgage Interest Only Confusion
My current fixed rate, self-cert Interest Only mortgage ends June 2008. So I shall be looking to remortgage. I am somewhat confused though over what happens if I remortgage - as I am only paying interest at the moment - when I remortgage do I have to pay any capital to the lender I started with? Say I have 150,000 mortgage…
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First Time Buyer - What offer to put in?
Any advice appreciated :) I'm looking at buying a property with my partner, we think we've found the one we like. [5 year old, 3 bed semi-detached @ £129,995] - I live in a 'cheap'/deprived area, this also means that stamp duty is set at £150k. Apparently the house has been reduced 'for a quick sale' although the estate…
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Please pity a FTB!!! help!!!!
Hi, I have posted a couple of times- basically we are just starting the process of buying a shared ownership house. We have a mortgage promise through a broker with Halifax, now my other half thinks we should skip the broker and go straight to Halifax, I am a bit nervous of this as we are quite confused by the whole thing…
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Endowment Policy Shortfall, Standard Life
I called Standard life today and was told that my endowment policy (with profits) is worth around £21300 but the target amount is £25,000 which means a shotfall of £3700. Looking back at my endowment contract it says SUM ASSURED is £25000 does this mean that the amount guaranteed to be paid out when the policy matures is…
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B****y Nationwide
Hi there, Hope someone can give me some advice as I'm about to have a coronary I'm so mad! :mad: We remortgaged from Nationwide to Woolwich on 2nd Jan with the funds sent to redeem the Nationwide mortgage sent via telegraphic transfer on 2nd. When I logged into my current account (where payments originate from), I was…
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Remortgage Valuation
Just in the process of remortgaging my house. Just had call from a valuer to come and look at the house and said he wants half hour to take photos, go in all rooms and loft! I am a bit peed off about this. I am borrowing quite a low loan to value ratio. Wanna borrow 140k on house worth around £230k (at least, house few…
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Anyone got their 6+ year old MEAF back?
I bought my original house from Cheltenham and Gloucester in 1996 and switched mortgage in 1999 when my pay structure changed and I could go for a flexible mortgage. I am guessing I got charged by C&G in 1999 (haven't yet checked tbh), has anyone got any of their MEAF back if it was over 6 years ago? Just curious. Thanks
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Advice needed on Interest Rates Please
I am looking to remortgage and am finding it hard to decide what to go for. A 5 year fixed at around 5.68% or a 10 year fixed at 4.99. We plan to be in the house for at least 5 years, and if we did move it would be to a house needing same or larger mortgage. I am thinking of the 10 year deal as i dont want to come out in 5…
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solicitor fee for remortgage
Hi, For a remortgage I was told by my solicitor a fee of 592.00. Is this a reasonable fee ? The same solicitor charged only 400.00 when I bought the house 2 years before. Thanks Maveli
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Decree/CCJ for £512 Glasgow Sheriff Court
Wrongly posted on Debt Free-Wannabe In June 2004 i sold my ex LA cottage flat to my ex partner, at the the begining of March 2006 she forwarded to me a document from Glasgow Sheriff Court in respect of a debt to the Glasgow Housing Association for £512, this was for unpaid common charges for this period. I contacted GHA…
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Base Rate Transfered To Products
hi all, As of my earlier post I am enquiring into getting my first mortgage via the open market home buy scheme. Im wondering how long it takes for the change in the bank of england base rate to go across to say a fixed rate mortgage for example there was a 0.25% cut in December down to 5.5% and its stayed at 5.5% in…
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Open Markey Home Buy Mortgage Needed
Hi all, Ive just had an acceptance letter for the Open Market Home Buy scheme. The scheme I have been accepted for is the 17.5% i.e where the government gives you a 17.5% equity loan of the value of the property this equity loan is repayable once you sell the property to the current market value (you have to pay to get it…
