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Mortgages & endowments

Archives for August 2008

Mis-Sold Endowment Forms
Hi everyone, After discovering this site, we decided to make a claim for a mis-sold endowment policy and downloaded the appropriate letter templates etc. from links on this site. We have now received a reply from MERCER Ltd, Tower Place, London, together with an 8 page questionnaire which requires completion to proceed…
london& country or charcol
Which mortgage brokers would you advise for adverse credit?London &country or charcol?
Mortgage advise
I have a mortgage in joint names with my Ex husband our 2 year fixed deal ends on 31 Oct, i need to remove his name from the mortgage and take it over. I earn very little (although i have been paying it for the last 18 months alone) and am worried that they will not allow me to do so, the house is worth approx £230,000 and…
sudden panic!! please help!
i have a current account with abbey and a c&g mortgage. i have just checked my account online as my mortgage and other bills come out tomorrow and have seen that there is a large amount of money missing but there are no transactions waiting to come out. Does anybody know if the bills have been removed ready to go out…
Surrender or stay? Phoenix ex Royal Life endowment
Any advice out there please on what to do with my 3 ex Royal Life now Phoenix endowments. I have tried to get an online quote from AAP but they are not interested! i do not have forcasted maturity values to hand, but in the recent mailing from them they quote a terminal bonus at present of 15% but i guess this may go down?…
Bank of England Base Rate - 4 September 2008
With Alistair Darling admitting that the economy is going down faster than something going down very quickly indeed (or make up your own jokes), what do you think the Bank of England will do on Thursday. Up, down or hold? GG
Worried...
Took out a two-year interest-only mortgage last year, with a 5% deposit. That rate will run out next October (I know this is miles off). But I was doing some research on the sort of money we'll probably have to pay out each month once we actually switch to a repayment mortgage, and it seems no-one would actually lend to us…
mortgage redemption value
Hi all, our fixed rate mortgage deal runs out in march 09. I called the building society and asked for a redemtion figure for march 09. However, I was informed that the society cannot forecst that far ahead. I find this hard to believe, as I have a fixed rate morgage and am paying a fixed morgage payment every month, so…
Looking to remortgage - help needed to find a good deal
My existing discounted rate mortgage is coming to an end. Now I am looking for any good remortgage deals. Looking for 150K which is 60% Loan to value. I am okay for either Fixed or Tracker. There are some good deals like 4.99% with "299 fee which is very high for the amount I am borrowing. And then there are no fee deals…
Overpayments on split-rate mortage?
Hi all, I wonder if anyone can help with the following scenario: I currently have a Woolwich BRT at BBBR+0.17%, I'm looking to move house and hence raise extra funds to finance the purchase. I'm keen to keep the rate I'm on, Woolwich say it's portable on the capital I already owe, and can be extended to a new 25 year term,…
Halifax bank interest rates
I appreciate some advice if possible, hopefully someone in the same position as me. I cannot find any similar examples on the internet. I'm a first-time buyer and I am due to complete on 8th September. The whole process has been fine but my only problem appears to be the mortgage in that the interest rate keeps changing…
Mortgage Payment breaks
Hi I am currently on a DMP, however I have rung Chelt and Gloucester and discussed a mortgage payment break. This is due to unexpected financial emergency that we are currently experiencing. I have never missed a mortgage payment and they went through the process. The advisor then said I need to do a credit score check (I…
Fixed Rate Mortgage Due To End - Help Please!
Our current fixed rate mortgage is due to end in February of next year, and i was wondering if anyone knows of any good fixed rate mortgages. We're looking for about a 3 year rate - although we'd be flexible if anyone found a really good deal for a shorter/longer term. TIA :beer:
Unprincipled government u-turn?
'Income Support Mortgage Interest' [ISMI] rules are being reviewed by the government and apparently they will raise the limit of £100,000 mortgage cover and/or reduce the waiting periods to qualify currently: for all mortgages taken out since 2 October 1995 0% for 39 weeks [of claim] - '100%' [of interest for the eligible…
Please help im confused
i need some advice i have an endowment policy but its not mortgage linked. we took out a junior bond 4 yrs ago for our daughter and its a unit linked endowment policy i was wondering if this could have been mis sold and should i cash it in and move it elsewhere?:confused:
Re-mortgaging fees
I am in the process of applying for a re-mortage (Bank of Scotland) using a financial advisor and the fees associated with this look huge. Mortgage £240K (Self Cert) Fees: Arangement Fee: £2400 Valuation Fee: £615 Telegraphic transfer £35 Conveyancing fee £295 Total: £3345 Does this look right?
Remortage complete how long for rebate?
Wehave just sucessfully remortgage and the mortage went through half way through the month. On our previous mortgage I am sure we paid in advance - but regardless I think we should receive some money back from them as in effect we paid for a whole month and only borrowed for half of it. I called them to discuss after…
Interest only mortgage, what else do I need?
Hi new member here. I haven't really had to deal with setting up a mortgage since my first endowment mortgage :-( back in 1990 so I'm looking to become educated in everything there is to know about mortgages (well, maybe not everything) I've been reading the threads here for the last few days now and have seen a few…
Been stitched up by the Nationwide - what action can I take?
Hi Hope someone can advise me. Six weeks ago, after getting a mortgage in principal from the Nationwide, I exchanged on a flat, the completion date being the 3rd Sept. After wasting FIVE of the six weeks between exchange and completion (despite chasing the Nationwide on an almost daily basis and reminding them of my…
The One Account - can anyone tell me if I'm going mad?!
Maybe in the 12 years since doing GCSE maths some of my brain cells have faded, but can anyone help me with some maths as this just doesn't seem right to me! The missus and I want to move to The One Account in January and get out mortgage paid off. I went to their calculator at…

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Mortgages & endowments

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