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Concrete houses
Hello all, I have seen a couple of concrete-built houses for sale that I might be interested in. They were evidently built using the craftcast technique. This was apparently quite succesful. I am aware that there can be problems getting mortgages for non-traditional built houses. Is there some general rule of thumb with…
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Remortgage with Legal Fees Included Help
I am in the process of my first remortgage and have chosen one which includes legal fees from a well know high street bank. I have received the Mortgage Dead document from a third party legal company of which it advises me to seek advice from my solicitor or legal advisor before I sign. My question is should I seek advice…
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mortgage help please
hi can anyone help with this please is it possible to drop from a repayment mortgage to interest only mortgage for a couple of months , as far as i know we arent tied in to the rate we are on and we dont have to pay any fees to change .
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Really need some help regarding early repayment penalties please
Hi, I've just found out the Mrs has been playing away from home with half of the city, so I need to sell my house as neither one of us can afford to make the repayments alone. As my luck would have it I just renewed my mortgage a few months ago and its fixed for 5 years!!! I think its about £7000 to end it so I was…
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Hi its me
Hello ppl Some of you may know me as Dan_Collins but my old work email has gone so I have started again! Lost a lot of thanks etc but hey I will keep trying to help! Hope your all well, I have had a new baby and new job so not much time to be online! Take care :beer:
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Will Renting costs rise because of the increase in interest rates?
Does anyone think that renting prices will rise because of the rise in interest rates? One of my friends rents his house and was getting rent to just about cover his mortgage but he just renewed his mortgage last month and says his mortgage has went up to £600 from £450 and now hes raging hes got to pay the extra £150 per…
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Advice on surrendering a Phoenix Endowment
Hi All, I am in a position where I need to surrender an endowment policy due to divorce. We have both agreed that the proceeds will be retained for the educational needs of the children in the future so want to make sure that I am getting the best possible value. Neither of us require the investment for properties or the…
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Re-Mortgaging - Will I have a problem
My first post here so hi, and go easy on me!! Last august me and my partner bought our first property but struggled to get a mortgage. We went through a broker who was a friend of the family so he is someone we can trust. Both me and my partner have some debts but nothing we cant control, however i dont think my credit…
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Mortgage advisor - new to this site
Hi Im a mortgage consultant and have just registered as some interesting threads on this site. How are other advisers finding things at the minute? Be interesting to hear from others...
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Advice needed: my first mortgage renewal
Hello. My girlfriend and I bought our first place in January 2007. We got a 100% mortgage on a two-year fixed rate and we're locked in until the end of the fixed-rate period. Next January (2009) that fixed rate period will end but because this is the first time we've ever done this (coupled with the current hysteria around…
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Mortgage exit fee help
Hi all, i have just sold my house and have had to pay a mortgage exit fee of £250. i bought my house in July 2005 and it sold in August 2008. I rang Northern Rock up and asked about the mortgage exit fee, and if i was due any money back but they explained that i was not eligble for a refund as it was stated in my contract…
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Best Mortgage for Self- Employed
hi guys, need some advice. I need to apply for a mortgage. I have been working full time and have become self-employed since Feb 2008. any idea who will take me? i have got 40% deposit so the LTV will be around 60% only. But I need to know what's the best mortgage available in the current market and who's accepting Self…
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Effective interest rates and compounding
Hi All Im currently writing an Excel spreadsheet to calculate montly payments and interest etc. Im writing it myself because the ones Ive found elsewhere don't allow you to take into account offset savings etc. Anyway, can anyone confirm that mortgage companies who are charging daily interest compound the daily interest…
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My mortgage deal is coming to an end
I have looked at comparison sites etc but they are all so confusing. Is anyone able to help/advise etc. When you go into an Estate Agents to buy a house you see someone there that compares ALL the mortgages and advises you on the best one and there is no charge for their help. Who would I go to get this sort of help for…
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mortgage offer delay - whats going on?
Hi can anyone shed some light onto what might be going on with the sale of my house? We're selling to an investor who is getting a buy to let mortgage. He told me a week ago that he had his mortgage offer in writing and we were just waiting for it to go to the solicitor, but, 2 days before the proposed exchange and…
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Selling using the Vendor Deposit Scheme
Hi My credit rating it not good at all due to rise in mortgage rate (arrears and late payments). I know I will not be able to re-mortgage. I really do not want to sell my home (a. will not be able to get a new mortgage b. it will not be easy for me to rent as I have 2 cats and 2 dogs). I am just bouncing a few ideas round…
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Nationwide - new fixed rates tomorrow (28th Aug)
http://www.nationwide.co.uk/mediacentre/PressRelease_this.asp?ID=1254
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Help first time buyers who cannot get mortgage
Hi All This is my first posting and I would much appreciate all of your valuable advise. My daughter and her boyfriend are desperate tp find a mortgage deal. They are hoping to buy a property (already found the house) that costs 120k, they have a 10% deposit saved and could possibly stretch this to 15%. They have a…
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Ground rent company admin charges
When I remortgaged I was charged £75 by Estates & Management, the comapny to whom I pay m,y ground rent (£2.10 per year!!) I was told by the solicitor overseeing the remortgage that I could do nothing about this, and non-mayment would hold up or prevent the remortage going through. I asked E&M to justify this but got no…
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Did you take out a Northern Rock mortgage 2-3 years ago?
Hi guys, Following a few emails we have received, we're on the hunt for some info about Northern Rock mortgage deals. If you took out a short term mortgage deal in the past two or three years with the now-nationalised bank, do you think you were promised the opportunity to get any rate it was offering New customers, at the…
