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Redemption Fees
I have read all the details I think I possibly can on re-claiming MEAFs from mortgages. However, we paid a whopping £15k when we settled our mortgage early. We were not on a fixed rate, but my husband and I split up and we had to sell our property. As we weren't on a 2/3/4/5 year fixed anything, does this mean that there…
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credit report shows old mortgage outstanding
did my credit report again tonight, and my old mortgage (with northern rock, which was settled and moved to Abbey) is still showing as me owing £1200 from 5 years ago. It seems to be a glitch, because it's not affected my credit, and my current mortgage provider is halifax, who I went with when I moved home. Northern rock…
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Fee free tracker mortgages?
Hi all, I'd been preapproved for an HSBC tracker at base + 0.99% with no fees a few months ago. It's now expired so I'm interested in what is the best deal going at the moment, if anyone has any advice? I'm thinking about putting in an offer tomorrow on a repo, very good price which would mean approx £45k deposit and a…
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Mortgage account online
Before I speak to the bank does anyone know if you can access a Natwest mortgage account with their online banking? I have current account and CC account on there but it would be nice to keep a close eye on, and maybe make the odd overpayment on the mortgage. I can't see any way of doing it in the user options. Cheers
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Shared Mortgage
Hi everyone, would really appreciate some advice on this. I currently have a shared mortgage with my ex-partner, we still live together and are looking at selling as soon as possible, i have asked if i can buy his half but he has refused point blank (being spiteful, bitter split up...he would rather sell to a complete…
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Is it possible to get a mortgage if were over 60
My husband and I are over 60 and have struggled financially for years.I now work 3 days a week and my husband 5days. We earn around £400 a week.We have really really horrible neighbors and just hate living here but our fear is how could we afford to move and although we have a mortgage at the moment would we be able to get…
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mortgage insurance recommendations
Hi Guys I'm getting my first mortgage and my monthly repayment comes between £1000 and £1100. I got this through an independent broker and he quoted me a mortgage insurance which covers unemployment, sickness and death which will cost me around £51/month ( 25.50 each as its a joint application with my wife). When i check…
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Accord Mortgages?
Anyone know anything about Accord mortgages? Its a part of the Yorkshire Building Soc but I don't know any customer feedback from them - has anyone any experience? We have been offered a 5yr fixed rate of 5.69% through London & Country - is this a good deal?
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Standard Life endowment
is it worth selling my 'with profits endowment ? started 1993 and instead invest my £60.00 monthly premuims in a savings account. I still have 10 yrs B 4 maturity 2018 - target mortgage of £43000.00. S Life promise is between 4000 - 6000. Shortfall is £30000. Current details. 1. I have a mortgage of £10000.00 (£72.946.17…
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should we remorgage?????
Hi THere - Please forgive if postd twice!! Can anyone help? We own our own farm, no morgage and not debt anywhere else. We want to buy some agri land away from our house. we have 30,000 the land cost 190k should we remorgage our house? if so who is the best people to go with? We have another house that we rent out, should…
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Foreign Currency Mortgage
Hi there, I work abroad for contracts which are 4 months in length and I get two months holiday before going out again for another four months, and I get paid in US Dollars. I currently have a mortgage with Halifax and I've heard something from somewhere about a foreign currency mortgage. This would make sense for me as I…
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More endowment advice please
Hi, My with profits endowment policy with Legal & General matures on 1 May 2010 which I want to use pay off the interest only part of my mortgage (approx £47300.00) the mortgage is £69340.00 in total. I had a surrender valuation today (16/09/08) of £40896.80 The last bonus statement (Dec 2007) showed the sum assured as…
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mortgage held with bank on the brink
I currently hold an HBOS mortgage. What would happen if they went bust? I also hold HBOS mortgage protection insurance, what use is this? Can anyone help pls
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Should We Remorgage?
Hi there, We live on a farm which we own outright. we want to buy some land away from our property. We have about 30,000.00 to put down and the land will cost 190,000.00 should we remorgage our farm? if so who would you recommend. We have had a morgage on another house before which we have paid off but i have never…
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In this climate, what would you do???
Hi all, advise greatly appreciated. We have a mortgage, currently with Northern Rock, ending in Dec 09. I know that seems a long way away and plenty of time for things to change, even slightly but.... 3 yr fixed rate, taken out in 06: House valued at £180,000 £171,000 - Mortgage £30,000 - Unsecured loan We've scrimped and…
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Need a mortgage on Phd stipend, desperate help!
I am, and my girlfriend is about to become phd students, and have both won scholarships which give us an annual stipend of around £14000 each (this is tax free). Now a lifelong friend of mine recently remortgaged their house and gave us £102500 which we put with our savings of £30000 to buy a house outright. We did this…
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i hope you can help me with a couple of questions with possible recession looming....
Firstly thanks for visiting the thread. We have just had an offer accepted on a house and need to complete quickly. With companies folding and banks collapsing we are concerned. 1. How would a recession affect interest rates and our borrowing ? also we don't know what the future holds so do we 2. Go with a fixed rate or…
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Looking for 1st mortgage- could we add on our £24k loan?
Hi, just after some advice from anyone in the know ref above. We are hoping to buy our first home in the next 6-12 months, and we have a loan of £24k with 4 years to run. We cannot afford the £620 repayments each month on top of a mortgage. Would we be able to for example get a mortgage for £140k for a property value of…
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Mortgage options after fixed rate ends
My wife and I have a fixed rate mortgage with a lender which has had a rough ride in the past few months. The fixed rate comes to an end in about 18 months and we are starting to look at the options available to us. We would like to get another fixed rate but I have a blemish on my credit report and we're concerned that we…
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Mis-sold endowment calculation advice needed please
I have been offered by the Halifax to either calculate my missold endowment with their standard variable rate or with the rate I actually paid. For 5 years (2001 - 2006) I had a fixed rate with Britannia for 3.94% and have just moved onto a base rate tracker at 5.79% with Barclays - would it be better to tell them all…
