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Reclaiming Mortgage Fees?
Hi, I was wondering if the same rules for unfair charging might apply to some of the extortionate mortgage arrangement fees I have been charged, eg 1.5% or £2,500? Any thoughts?
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Help.....mortgage advise!!!! please !!!!
Please could anyone give me some advise,me and my partner currently live in a rented house,and want to buy,we both have credit rating that isn't great,but we both work ,we tried for a mortgage last year but were told we needed at least 10% deposit,and and as the houses in the area we live are approx 210,000 ,it seems…
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Help! Endowment redress advice?
Hi all, Hope someone can help me. I sent a complaint to my endowment company just over a month ago and they have said I am entitled to redress:j . They have asked if I want redress calculations done either; 1) Using exact mortgage details - taking into account changes in lenders (N/A) and any special deals we may have had.…
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mortage advice on missed payments
I want to move house have the same amount mortage but just new house but I have missed a couple of payments at the end of last year and some in 2005, they was actually late but they classing as missed although I am all up to date since Jan. My current mortage lender will consider giving us one in a few weeks when we have…
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Standard Life Endowment Policy - Keep or Surrender?
Hi, can anyone give me some advice on the following please. I have an endowment policy - no longer used against mortgage which was changed to repayment and will be paid within 3 months. I'm wondering if it is worthwhile keeping the policy or should i sell/cash surrender it? Details are: Policy Start: July 1988 Maturity…
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Clearing outstanding C-cards and loan first?
Sorry this is probably going to sound really stupid. Had a meeting with the bank today about a mortgage, they have offered me and partner £85k, which with a 15k deposit will buy our house. However they have offered this if we clear all our credit card and loan balance. However, they did not ask about overdrafts. Do they…
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How Much!!
I've just had the shock of my life,lol. Just checking out mortatges and it appears to me that the price is ridiculous. I just did a quick quote on a £140k mortage and the total repayments were around £300k,can anyone tell me is this normal!!
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Yet another self cert question
Hi everyone, I'm thinking about buying a house which has come onto the market recently. we are currently renting and happy here, not desperate to move right now but this one house has got me thinking about it. great area and not a bad price at all. Anyway, our situation is that we sold our business at the back end of last…
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Mortgage advice please guys?
Hey guys, Any thoughts on this one? Just had a second visit on a property I am looking at putting an offer in on. Thought I would contact my mortgage provider to check the procedures involved in moving only to be told that my mortgage in non transferable!:eek: I checked out the correspondence with my financial advisor (I…
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100% Mortgage
Hi All, Any Idea who is still offering a 100% Mortgage? :confused: Thanks 4 ur help. Steph
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Redemption Penalty workaround
I have been doing some number crunching and wondered if some of you could check the angles. We are on very low fix with ERC of 3 years (some quite hefty fees which I knew about and accepted, reason - started a family etc..) and was thinking about how we could keep our monthly payment down over the next three years rather…
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Increasing Mortgage
Hi, Not sure about the best place to put this query as it covers several areas, so apologies if it's in the wrong place. I currently rent out my house (which has a mortgage on it for about 50% of it's value) and make £200 profit per month. As this is taxable (I've claimed back all I can against house expenses etc) and I'm…
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Self employed,where do we start!!
Hi all,me and my OH are starting to think about getting a mortage and straight away we seem to have encountered a few problems. My OH is a self employed taxi driver,he started in november so we're not quite sure how much he will earn.,we are first time buyers. Neither of us have ever been in debt so we shouldnt have a bad…
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endowment insurance
I have a personal endowment insurance not linked to any mortgage. Can anyone tell me if this type of endowment is covered by the miss selling as it is performing rather poorly.
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When will my first mortgage payment be due?
Hi all On wednesday next week I will be picking up the keys to my very first house. Just wondering when my first mortgage payment will be due? Will they take a payment on Wednesday or will it be taken a month after, or does it depend on the mortgage lender. My lender is the Bank of Ireland. Many thanks in advance
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fortnightly mortgage payments
Is it possible to pay the mortgage either weekly/fortnightly,instead of monthly thus bringing interest payments down as they calculate them daily? My building society (nationwide) will only allow me to pay monthly,is there any one out who will let me?
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Do i need a solicitor?
My ex husband owes some money on my house which at the moment is in both our names. He is going to pay off what he owes and sign the house over to me. Do i need a solicitor to swap deeds over etc or will i be able to do it on my own??? Thanks
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Query on when to start looking for a new mortgage
Hi there, I read somewhere this week that mortgage companies (or perhaps your existing mortgage company - which makes more sense) will agree to a new mortgage deal 6 months ahead of your current mortgage expiring. Does anyone know if this is true? My fixed rate finishes in October and I'm in a quandary as to move or stay…
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Should I Surrender My Endowments??
I currently have two endowment policies with Friend's provident* First one for £26,000 matures 29th August 2011. Total of guaranteed amount plus all bonuses £17,009 - surrender value £16,620 * Second one £6,300 matures 5th September 2012. Total of guaranteed amount plus all bonuses £3,889 - surrender value £3,886 I have…
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Money into my mortgage or saved?
I hope this is posted in the correct place. I am to receive a gift of £10,000 from a Grandparent and I need some advice on what to do with it. I am due to move into my new house in May and am unsure if I should use the money to reduce the mortgage or save it? The current mortgage would be 70% LTV before putting in the…
