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Do IFAs get "better" deals?
Just curious. Do Financial Advisers get better mortgage deals than any other person? Mine has said he's going to sort out our new remortgage on Monday as that's when Halifax are changing their deals, but just wondered whether he'll just get the same for us as we would get phoning the Halifax ourselves, if you see what I…
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Remortgage advice
Hello, Just changed mortgage product as was due to end at end of March. Gone on to 5 year fixed rate at 5.63% with Nationwide. There was no product set up charge as we are already with them. Planning on releasing an additional £30,000 of equity to convert the loft but have been told that will require a product charge of…
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Abbey pulling broker special deals
Abbey for Intermediaries has pulled all of its exclusive products with its 27 key accounts. Brokers have until this Monday morning to get applications in on time. But the lender stresses that the policy of offering exclusives to its key accounts has not been withdrawn permanently and that it will review the situation again…
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mortgage arrangement fees
I recently switched to a five year fixed rate mortgage. My building society charged me £349 arrangement fee and £100 administtration fee.Is this fair, and if not can I reclaim any of this money?
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Mortgage Advice Required pleeeeeeese!!
I currently have an outstanding interest only mortgage with Northern Rock of £90,014.84p with a 21 year 8 months remaining term, interest rate of 5.09%. I have a secured loan with Northern Rock which is repayment at 7.44% remaining term of 21 years 4 months, balance of £5322.87p. My total outstanding balance is therefore…
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Redundancy. Pay off mortgage?
I am soon to be made redundant and will receive enough to pay off my mortgage. I understand that I can't claim unemployment if I have cash in the bank. What is the best thing for me to do?
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house insurance and mortgage
my house insurance was done through my mortgage company with the company that they used. This year though i had a look around and found a really good quote with another company - nothing to do with the mortgage company (Bristol and West) so i did not renew with their insurance company and i have now had a letter from them…
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Looking for some Mortgage Advice
I have recently reached the end of my interest only period on my mortgage and it has jumped by £300 to over £800 (on a £115k mortgage). Now I knew this was going to happen and was planning on being better paid but that really hasn't panned out the way I wanted for various reasons.. My questions are, what options do I have…
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Capital / Interest Rate on Ported mortgage
You take out say a 100k mortgage at 5%, 5 year fixed. You get a repayment mortgage that is portable. After 3 years you owe say 95k capital (ignore the actual figures, it's the principle here). You move house, after 3 years, and port the existing to a 130k mortgage. The mortgage rate has gone up to 6%. Do you get then get…
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Mortgage for 4 people
Hello Just wondering if anyone can tell me which mortgage companys do a shared mortgage for 4 people?:confused: Thanks
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Do your family affect your credit rating?
Hey guys just wondering....do your family (parents mainly) affect your credit rating? Say if they have bad credit does that reflect on you? and the same if they have good credit? Just started thinking about it after a conversation we were having last night
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End of term remortgage advice please
We are due to meet with our mortgage lender tomorrow to renew our mortgage as our fixed rate term has ended. Our current lender has a 5 year fixed deal at 5.63% which we are looking at as we need the security of a fixed deal. One of the terms says - at the end of the fixed rate period you move to our variable Base Mortgage…
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Help: Worried if we will be able to re-mortgage
We currently have an interest only mortgage for £152,192.00 with Northern Rock on a 4.49% interest rate. We completed this mortgage on 6th Sept 2006 and the early repayment charge end date is 1st July 2008. We have two endowments running for £30k and 16k, when our earnings are better i will switch to interest and…
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Endowment policy Question
Hi - I split with my ex partner (quite amicably) 10 years ago and we had joint endowment policies on the house we were in. I left ( and basically left him to get on with it!!) but have not signed anything (myself) to surrender the policies. Just recently I have spoken to him through a mutual friend and enquired as to what…
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Whether to end my Northern Rock deal early or not?
Hello I posted this on another thread then realised it may be overlooked so have reposted here. I wondered if anyone could help I have been reading this thread with interest, I have a NR mortgage fixed rate for 5 years 5.15% set to expire early 2011. Our mortgage is for £63,000 and our property is valued at between…
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Claiming on Mortgage insurance for wifes ill health
Over the last 16 years I have been with the Lloyd's TSB as a mortgage provider. We now have 4 sections to our £100,000 mortgage, one is an Endowment from the original purchase and a further 3 repayment sections from a move 10 years ago and 2 cash releases, 6 and 2 years ago. My wife has a fairly rare genetic condition…
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Invest or pay off mortgage ?
I have an endowment which is due to mature in June. It was taken out with my original mortgage some 25 years ago, but my mortgage still has 10 year to run as I have borrowed over the years. Do i have to pay this off my mortgage now or would I be able to invest it for the remaining mortgage term as I have a shortfall on…
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should I remortgage or stay with IngDirect?
Hello, My mortgage is with IngDirect (around a year) now. Currently the mortgage total is around 67k. I am wondering if it is worthwell to looking for a new deal? IngDirect's rate is 6.09% (bit high), but no fees and I can overpay when I wants to. If I move to other lenders, I may get lower rate, but may come with a 400£…
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Mortgage rip off
Hello all I moved into my property on 29th February (after 10 months since our offer was accepted) and when I opened the post that had been addressed to the new property I discovered a letter from my mortgage lender, Amber. This letter stated that they had increased my mortgage rate by 0.25% without my knowledge. I had…
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BoE decision: response from Abbey
http://www.mortgagesolutions-online.com/public/showPage.html?page=733176
