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Remortgage
When you remortgage with the same company,do they credit check you and need to look into your finances, bank statements ect again.Also can they refuse to move you to a different product.I have excellent credit history and never missed any payments of anything.
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paid for endownment in april 2004, is it too late to claim
Hi, we paid off our endowment as it was not going to meet targets, so we paid it off in april 2004, is it too late to make a claim for mis-sold endowment ? any help.
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Advice on Re-Mortgage
Im looking to maybe move my mortgage from A&L and hope someone can give me some advice please? Currently I have 164K with A&L but in 2 products because I moved house last April. Product 1 is 64K on a deal which ends end Feb. (.34% above BoE rate) redemption is 3% until 29th Feb 08. Then it's £295 exit fee. Product 2 is…
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What's the best Buy To Let mortgage at the moment?
Any one point me in the direction of a good deal? Thanks
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Homebuy help!
Hi there I would greatly appreciate a little advice from those in the know, particularly regarding the Homebuy Scheme. For those not familiar, the Homebuy Scheme is set up mainly for key workers and those who have difficulty in affording a mortgage, and certain criteria apply. I have been researching and believe myself to…
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!00% mortgage
Hi all, Hope someone can help. My husband and I are looking for a 100% mortgage product. We have poor credit ratings due to bad decisions (although we are working v hard to correct them). We do have CCj's etc but are not bankrupt. Are there any lenders that could help or have we no chance. We are desperate to get back into…
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My offset spreadsheets
Hi MSEers. Sometime back I published a couple of spreadsheets that calculated offseting v savings & mortgage. Since I uploaded them they get a steady stream of hits from people trawling the forums. Due to a change of ISP I've had to move them but didn't wan't to go to the hassle of changing links in old posts, plus other…
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Halifax Early Repayment Charge aaaarrgg!!
Not the usual get me out of the deal free but... Completing on a new mortage (moving house) on the 15th Feb 2 weeks shy of the 2nd anniversary of completing on a 2 yr fixed deal on 1st March 2006 (does this make sense?). New mortgage is not with Halifax and so £2242 has been whack on as an erc. I know, I know, I know!!!…
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Who holds my title deeds ?
Just in the process of completeing a re-mortgage questionairre and have been asked who holds the tiltle deeds. My first instinct is its the mortgage lender, but I'm not sure Thanks in advance
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First time buyers
Hi everyone, i am looking for a bit of advice please. My husband and I have been in a housing association house for around 15years and have a good credit rating. We have no outstanding loans or debts and our oldest two children have left school and are in jobs, leaving us with one dependant child. We are hoping to fulfil a…
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PPI reclaiming on Mortgages
Hi I took out a Mortgage with the Leeds Building Society (now Halifax) 24 years ago and was sold a PPi and told that I had to have it to secure my Mortgage payments and I have been paying it every month since. I have one year left on the Mortgage am I entitled to claim PPi back? Regards Jacey
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Dubious admin fee
Hi, I recently contacted Alliance and Leicester to ask them if my mortgage would still be valid if I let my flat out (I've been in the flat for 2 years). They said it shouldn't be a problem as I'd been a good payer and they would just have to give me consent to let in a letter. However, they said there would be an admin…
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Woolwich tracker mortgages
Hi, does anyone have a tracker mortgage with Woolwich/Barclays? I recently remortgaged to them and with the recent interest cut was hoping that my payments would go down but was told by them that the payments are set for the whole year (sep-sep) and any interest rate cuts or rises will be deducted or added to my loan…
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Loan attached to mortgage
Can I ask opinions on the mortgages that allow you to have loans too? I have been told that Birmingham Midshires and I think Coventy BS do them. Is it madness to consider one?
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Borrowing up to 90% LTV
Hi, ( and thanks for answers on other threads, very helpful) Just had an interesting chat to Nationwide who state that although I can lend up to 90% LTV, Anything from 85-90% must be authenticated by receipts for the work done to your house which creates 3 problems 1) The extra equity in our house is bang on between 85 and…
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Reverse Mortgage
Hi, does anyone know of these reverse mortgages? yes we are in deep do doos. wife found an advert in sunday paper for one and it looks like a way out without being reposesed. Are they legit or should we not touch with a barge pole???? Thanks in advance Clay
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Should I sell property to reduce my mortgage
First post on the site but have been a regular visitor for a long time. We have a mortgage about to come out of fixed rate in July. Currently we pay £2165 per month on a mortgage currently outstanding £324000. We expect our payments to rise considerably when transfered from current rate of 4.99 to SVR 7.99. Had great…
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Getting mortgage with adverse credit - partner has no credit problems
Hello I would be grateful for some advice about my problem. Me and my girlfriend Katy have been renting for over a year now and we both would like to buy a place of our own. Katy has a perfect credit history however is not on a big enough salary to afford a mortgage by herself. I am on a decent salary however whilst at uni…
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Endowment Miselling - Who do I write to ?
I'm using the Letter Generator on the Which endowment action website but am a bit confused who I should address the letter to. When we took the endowment out it was with Provident Mutal. Over the years it has changed and it's now under Norwich Union. Should I send it to P.M ? TIA
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Help with remortgage please
I am coming to the end of initial 2 year period of a very cheap fixed deal with A & L [4.4 ish percent] and am looking for the best new deal out there that will keep the payments down. I owe about £174,000 now and am paying £1010 per month, any suggestions please?:rotfl:
