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Spanish Mortgage Advice Needed!
hi all,was wondering if any kind soul who knows a bit about mortgage law and spanish mortgages ok here is the story my father bought an apartment in spain last year and he payed for it outright with nothing left owing a few months later i went out and sadly got swept away with everything and i bought a apartment that a…
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So how many of you threw the blanket to abadon and fixed for 10 years last year......
I fixed for 10 years at 5% Did anyone else?
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Could my Endowment company go bust?
Hi, My endowment policy matures next year after 15 years of investment. My worry in these troubled times is, do i have any protection if they went under. Just imagine if after all these years i was just about to get my mortgage paid off and all was lost... Any advice here, Thanks. Endowment with Norwich U by the way.
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Yorkshire BS
Hi all! My fixed rate deal with A&L ends in April next year. I am keen to secure a 5 year fix and the YBS 5 year fix @5.49% looks attractive (72% ltv, 2.6 x joint incomes). this would be affordable and give us peace of mind. am somewhat worried this kind of deal may not be available nearer the time to remortgage, even…
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what will happen now? im in a right old panick
few weeks ago had mortgage promise from halifax found property, made offer, offer accepted, surveyors due tomorrow we are ftb's moving from council rented, got solicitors in place. not sure what else i should put, but where do we stand now after this hbos/lloyds tsb business? i had an answer earlier but after reading the…
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Extreme Newbie
Hi people, like the title says im an extreme newbie to all thing mortgage! Just basically wondering what the likelyhood of my girlfriend and I obtaining a mortgage in the coming months. I earn £17.5k and she earns £15k...saving for a deposit at the moment, and want to get a house around £70-80k. What kind of deposit would…
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One Account with RBS
Hi Is the One account a real genuine offset product? As opposed to a bank account with offset similarities? If I have a 95K mortgage in my One Account and I have a balance owing of < 35K, is my balance > 35K safe ie. the amount I have overpaid? Answers/opinions appreciated, thanks very much.
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First Direct
Just a quick question. Rang up First Direct earlier to apply for a remortgage the lady said she gonna send out the illustations for both the 2 offsett tracker deals and she said fill in and send back the forms for the one we wanna go for. What am wanting to know is how long will first direct reserve the deal for me until I…
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Apr
Hello, Wondered if anyone might be able to answer the following? I'm looking at a Woolwich remortgage deal, a lifetime tracker at a rate of 6.19% at present. There are no fees or charges to set up the mortgage and no fees for early repayment. The APR on the mortgage is 6.4%. I understand that the APR is a rate which allows…
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Books for First Time Buyers
Hello all, Does anyone know of any good books/guides out there about property purchasing and mortgages, specifically designed for first time buyers, and published relatively recently (ie, that take into account the current economic climate) I've read Martin's Mortgage Guide, but since it was published in 2006, all the…
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DMS - Letter regarding mortgage arrears
Hi, I've just had a letter from DMS ("Debt Management Services") regarding arrears on a mortgage my Dad and I jointly have on a second property. (It's a long story - which I will put in my SOA when I have finished writing it and working it all out - suffice to say its an investment property which right now looks like…
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Please help... portable mortgage
We have a portable mort, and will soon be moving house. What i dont understand is: when do we pay back the mort on the house we just sold?
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Will mortgage offer remain valid???
We are a few weeks off completing on our house sale/purchase. Our mortgage offer is with the Halifax. If they merge with Lloyds TSB will the offer be honoured or are we going to be stuck scrambling around to find a new mortgage? Everything had been going so well the one stumbling block we didn't anticipate and plan for was…
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Mortgages for people on contract work...
Quick question mainly aimed at any mortgage advisors here. I'm a FTB and when I qualify I'm likely to be on contract work of 1 year initially. This would mean our joint income for at least that year would be £50k. If we then had a 25% deposit for a house, would this mean we are likely to get a mortgage or will no one touch…
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Mortgage advice - and home 'extension' advice please!!!!
Hi all. We're about to get ourselves into another mortgage term, and so far have got competitive rates with our existing mortgage company to choose from - fixed rate for 3, 5 or 10 years. However, we're considering an extension to the property, not that we are desperate for it at the moment, but it certainly will be very…
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Solicitor needed to pay off mortgage?
My endowment policy has matured [though it's not as ripe as I'd been promised!] enabling me to pay off my mortgage. My bank has told me to appoint a solicitor. Is this necessary? All I want to do is to pay them what I owe them, not to buy another property
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virgin one account mortgages
We have a offset mortgage with virgin one account. We have a bit more in the account than is needed to pay off the mortgage. Should we pay off the mortgage and then not be at risk of losing any money if the bank goes bust as others have done. Would be grateful for any advice.
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Contents and buildings insurance added to mortgage without our knowledge
Was hoping someone might be able to offer advice on this. My sister and her husband moved in May this year Their mortgage is with Halifax and they went to Halifax branch to sort it out etc, without looking at other options. They have just found out that their buildings and contents insurance was added to the mortgage…
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Shared Ownership
My husband and I own a shared ownership property and were selling it until today when the sale fell through just before exchange. As a result, we've discovered that we may actually own a millstone rather than a house - can anyone help?! The house is one of the 'old style' shared ownerships with half being owned (mortgaged)…
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Can anyone help?
Hello. I hope I'm posting in the right place :) My husband and myself have seen a really lovely house that we would very much like to buy, but we're not sure if we would be able to get a mortgage on a new place and would appreciate some advice. We bought our house 6 years ago. I was still at uni and the cost of living was…
