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Pru endowment - urgent help needed!!
Hi there, I followed the complaints procedures with the Pru who have since admitted mis selling an endowment to me and offered me c£3k in compensation. I understand how this figure has been calculated, i.e. compared what has been paid to what would have been paid on a repayment mortgage. The shortfall is predicted to be…
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Bit worried...95% mortgage
hello just want some advice please... me and my boyfriend brought a house end of last year 100% mortgage -repayment on £129500 house (we dropped the house by £10,000) plus £3000 worth of fees, at 5.88%. at the time we were told not to go for a 5year so we opted for 2 year-big mistake! never mind anyway, we are really…
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Halifax "C" pass and application
I have applied for and had a "C" pass on my application to halifax for a ftb shared ownership mortgage. I have 2 defaults one in 2004 for c £100 and one in jan 07 for c £550..... I was CONVINCED it would come back as a straight decline but as I say it came back as a "C" pass which i believe is when they need to look at it…
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Any advice gratefully received!
Hi can anyone offer some advice on where to start with Mortgages? I would be a first time buyer & my salary is currently £27k with my fiance's at £31k. The problem is his credit history I can't see us getting anywhere with his past & just wondering what our options are? I know the current housing market is dire & yet if…
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Mortgage to repay an individual rather than a bank?
This is a bit of an unusual situation, but I hope someone can offer some advice... Myself & boyfriend have seen a property on the market which is perfect for us but neither of our houses are on the market yet. Meanwhile, boyfriends parents have sold their house to downsize, and really want boyfriends house. Boyfriend loves…
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Negative Equity
My husband and I are looking to move to Yorkshire from Lancashire. We own a two bed terrace and we paid £81k for it two years ago. We have just come out of a painful valuation to find the guy reckons its worth about £75k. I was expecting to sell for about £82k so this was a shock, to say the least! We are really looking…
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Three diffeent mortgages
I have three different mortgages with Nationwide due to a couple of small remortgages when my deals have come to an end--all three now finish one month after another I find this quite irritating as I would prefer to have all three in one mortgage finishing at the same time The reply I got from Nationwide was to let the…
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debt and mortgage
hi new here!!! here goes i have a large mortgage and alot of debt! i am with northern rock but they will not give me a new fixed rate and i cant go to another lender! so i tought well i might sell my house and trade down! but guess i cant get a mortgage so what are you meant to do? when all the advice you get suggests…
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Do I Cash In Standard Life Endowment
Premium £46.30pm Cash in value £15,500 (surrender - may get more from TEP) Sum Assured £37,620 Guaranteed on Maturity Oct 2015 £19,500 3.75% > £22,800 5.50% > £25,700 7.25% > £28,800 MC80 with profits plan I don't have any financial pressures and little need for life cover and the policy is no longer linked in any way to…
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Mortgage, when a couple split up.
Hi I just need to ask if anyone has experience of this.. A family member age 24 has recently bought a house £159,000 ! with his GF, its not working out, and its not even a year! They have decided I think to call it a day.. this post is based on the info I know, the mortgage is over 25 years - repayment .. we think that the…
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Over Payments
Hi Just a quick question I currently have a mortgage with Northern Rock Do you think it is safe to start making over payments? If Northern Rock went out of business would this effect us? Thanks
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Broker/IFA helpful for maximum mortgage?
Title says it all- we are about to buy a house and will need the maximum loan we can get. I've heard it can help to go through a broker (why?)... is this true and are all brokers equal or some more favoured than others?
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Help! Is this a good deal? 6.09% fixed
HI wondered if someone with some financial acumen might be able to offer some words of wisdom. Currently got a rate of 6.09 on a fixed 5 yr (at <75% LTV). Have paid for the survey and had it carried out (£450). Question is - is there anything better out there. I do want fixed for 5 as I am increasing mortgage by quite a…
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New Build Home Buy - Mortgage for 1 person with defaults and 1 with good credit histo
Hello, I've been trying to follow the threads about Mortgage Advisors charging a fee or not. I was wondering where to look for a whole of market advisor? From the threads I've read I think this is the type of advisor we need? My boyfriend and I would like to part buy part rent a new build property in Harrow. I have a bad…
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Re-Mortgage
I am about to remortgage thanks to this site i have came across a well known company who can offer a mortgage of 4.99% with a £1350 charge added to the mortgage and a set up fee of £125 what do you think is there better out there(it's over 2 yrs fixed)
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Recommend an IFA in Brighton/Hove?
We are keen to start looking at buying again and I wondered if anyone can give me their recommendations for a good, trusted, whole of market IFA? I don't know if it is against MSE rules to recommend one but would think not, as so many companies and services are recommended on these boards, which really helps sift through…
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Remortgaging while posted overseas?
Hi all, I would appreciate some help on whether I will be able to remortgage on a residential deal. I am posted overseas working for the UK government, meaning that I pay income tax etc. on my full salary. I will be overseas for another two years. My current deal is with the Halifax and expires in December of this year. I…
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have no info who sold my endowment,can i still claim?
I was sold an endowment policy 18 years ago annd have been told by Standard life there will be a shortfall. I cant remember who sold us the policy, Would it have been someone to do with cheltenham & glouster? I dont think ive got any papers to do with it. HELP!
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mortgage advice
hi all, i'm new to this website but it has already been a great help as i've started to claim back bank and credit card charges, anyway, my fiancee and i are looking to buy a house within the next 6 months to a year. i have a £6000 debt which is currently with a debt collection agency, which has effected my credit score (i…
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Mortgage account fee - what are they?
I have just been looking at Abbey's mortgage deals and noticed this: "A Mortgage Account Fee of £225 for the provision and general administration of your mortgage. This fee can be paid on completion or deferred until the end of your mortgage. If you defer the payment, this fee will not increase." Is this normal for all…
