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Mortgage Broker Fined or not
I worked for these cowboys for a few months and the compliance was terrible. http://www.introduceruk.com/index.php?n=302&s=news&#panel-1
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Endowment for funeral plan query
I've just lost my Dad and Mum is horrified to find her Co-op policy only covers one third of the expenses. I believe she thought it would cover everything. (Excuse the vagueness, but I'm trying not to distress her by probing too deeply so soon). They had a policy each, which they paid into for £10 years, and completed…
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Residential Mortgage! With Permission To Let?
Hi there i have a problem! Im currently with A&L on a normal mortgage but have been given permission to let and that is what i am currently doing. However the rate has just come outa fixed deal on to SVR 7.19%. Still slightly cheaper than most buy to let deals but rubbish for normal mortgage. They also aint offering any…
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Consent to let
Hi, I'm new to the forum and was hoping for some advice. My partner has a flat that we want to let out. We changed the buildings insurance to a landlord's policy and the Mortgage lender was automatically informed that the policy had changed. We asked them about consent to let and were told that we need to fill in a form…
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Removing my name from a variable rate mortgage
Hi all, I am new to this site and I am in need of some help! My sister and her husband decided to end there marriage and my sister wanted to move out of the martial home, she was not able to do this without me going on the mortgage with her, after a lot of thinking and people telling me that I shouldn't do it I did and I…
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remortgaging to consolidate debt, help?
Hi, we are thinking of remortgaging to help with finances. currently my wife solely pays the mortgage. since we first took out the mortgage for our house, we feel it has increased in value around 40k. also my wifes salary has increased by 5k with less outgoings per month. we are thinking of adding me on the mortage with my…
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Changing First Direct Mortgage application to a newer product
Hi, I have recently started the application process to remortgage to a FD 3 year fixed rate offset 5.95% mortgage deal which has £299 in fees. I notice that FD are now offering a tracker at 5.98% with no fees and no surrender admin fee for the life of the mortgage. The first part of my query relates to a comparison between…
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Arrangment/booking fee with NatWest
I have applied to NatWest 5y fixed mortgage in June. Everything was fine and they sent me an offer at the end of July. In the meantime, my existing lender (NR) offered me the transfer to Lloyds (C&G) with much better valuation and consequently the rate was also much better. I have never signed mortgage application with…
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which mortgage to choose
I am so confused and do not know which mortage to go for? I have no mortage my present house and looking to buy another property and need a small mortgage of £40K. Would like to pay over 3 yrs then pay it all off with my lump sum when I retire. Which is the best mortgage to go for? Interest Only, Fixed rate? or any other…
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Additional Borrowing - always seperate to main mortgage?
Hi All We've currently got our main mortgage plus an additional £18k we borrowed a couple of years ago to build an extension. This means we currently have two "mortgages" with our current borrower Nationwide. Speaking to First Direct tonight about remortgaging to them I assumed they'd just bundle both together as a single…
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Asia-Pacific Power and Energy Engineering Conference (APPEEC 2009) hh
========================================================================= Asia-Pacific Power and Energy Engineering Conference (APPEEC 2009) CALL FOR PAPERS http://www.srpublishing.org/conference/appeec Wuhan, China March 28-30, 2009 ========================================================================= This conference…
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who are Ulster Bank related to (ref to rates cut)
My mortgage is with Ulster Bank and my query is who is their parent bank? I thought it was NAT West or BS but these have cut their mortgage rates and Ulster Bank NI has not. Anyone enlighten me?
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First Direct - Mortgage
I have just taken out a mortgage with First Direct (I am an existing customer) they have sent me a text saying the mortgage will take 10-12 weeks. Has anyone else out the taken out a mortgage recently with First Direct? How long did yours take? Thanks for reading :confused:
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mortgage help
Newbie here :-) Looking for some advise from you lovely people I have a mortgage with Nationwide at present. In Jan we took a 12 mth payment holiday as my husband was going self employed. In May, he bust his knee :( We don't know how long he's going to be off work but as yet the problem with his knee hasn't been diagnosed…
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How likely are we to get a Mortgage??
I am Self employed with a year's accounts.. Dh is an Agency Class 1 driver We had debts which we paid off in 2006, there will be CCJ's on our credit file :cool: We had a mortgage from 1997 - 99 which we did not default on. The credit problems came post mortgage. We are desperate to move - any experts out there can tell us…
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Re-mortaging with no equity
Hi All, I took out a self cert mortgage last year with kensington/mortgage express with a 10% deposit, as I had my own business at the time. The rate wasn't great but I was planning to go back into normal employment by the time the fixed rate deal ended so I thought I would get a better deal then with an alternative…
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Shared Ownership Nightmare...help!!?
Hi Guys, I have a shared ownership problem that i need advice with kinda urgently. I bought 25% of my property from a housing association. The full value was GBP 209,000. The place was in a bad state of repair and badly needed modernising...additionally it wasn't even safe..but thats another story! I borrowed money from a…
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Help Just read the small print
Help I have a mortgage advisor coming here in an hour who claims to be independent and will work for my benefit. However her fees are very high or i think they are it says "maximum fee of up to 4% of the mortgage amount or £3995 whichever is lesser, payable on completion" Is this normal? We usually dont pay any fees the…
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Remortgaging - any advice appreciated!
Hi all, I wonder if anyone would be kind enough to comment on the following: Mortgage currently with Kensington, ending 11 Dec. Wish to remortgage but husband is a student and works part-time. I work p/t as well, and we have 2 young children. Abbey is only lender available to us due to relatively low income. So, Abbey have…
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Query to people overpaying on a Halifax fixed rate deal
Hi all, Some months ago my minimum payment came down slightly, I thought this was because of the overpayments I'd made. However, having re-read the letter, it seems that it was really because the Hfx's SVR had come down, therefore my payments also came down even though I was on a Fixed rate :confused: Or perhaps it was…
