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Advice on Norwich union float?
, we've got an endowment policy due to mature May 09. we had a letter last year informing us that there was possibly going to be a reatribution and our policy qualified. In the FAQ's it states that if the policy was in force on 21/11/06, but matured before reattribution, it would still be eligible. However, in a letter…
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Stuck between a rock and a hard place!!!
Good Morning to you all, I write here today desperately trying to get as much advise I can on my current situation. In November my lower rate fixed period ends on my mortgage and will put my monthly payments much higher than I can afford and the possibility of remortgaging is looking very unlikely. To give you a better…
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Fixed or Tracker
Hi everyone, I have just agreed a mortgage with Halifax with a fixed rate of 5.74% for 3 years. This is my first mortgage so I was really after some advice as to whether I should stick with this or change to a tracker type. Any advice would be much appreciated. Thanks Dean
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Does this count as a deposit?
We want to buy my partner's late mothers house from the estate. The house was left to be shared equally between four siblings. It's been on the market for four months, originally for £320K, now asking £280K, but the executors (two of the other siblings) have now said they would accept £240K if we want to buy. They have a…
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WTS:HTC Touch 3G..$300,Blackberry Bold 9000..$250,Apple iphone 3g 16gb..250usd,
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First Time Buyer, would I be laughed at?
Hello Folks I am thinking about purchasing a property in the region of £150,000, I have around £32,000 that can be used as a deposit and I currently earn around £20,000 per year. Do I stand any chance of getting a reasonable mortgage in this climate or am I wasting my time?
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Interest only mortgage
Hi there. I am looking for an interest only remortgage, with no repayment vehicle needed, and LTV of 90%. Does anyone know of any lenders who would consider this?
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Extending Endownments
Here is a different suggestion. I have the first of several endownments due to mature next year. I have made the decision to keep with them having considered the comments posted on this forum. However, it looks like the market is diving, just as my policies mature. Is there an option to extend a policy for 3 or 5 years…
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half percent rate cut in November?
_http://www.ft.com/cms/s/0/4d06f0ee-827a-11dd-a019-000077b07658.html do u think it will happen, what would lenders do with mortgage rates? and even if they did cut them, do lenders normally reduce mortgage rates on their current products to tie in with the cut? if so, how long does it take them to do it>
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low cost endowments
Hi, I have a few low cost, Sun life of Canada endowments running, they will mature as listed March 3rd 2009 £20.00 @17years March 4th 2010 £12.03 @30years March 5th 2013 £20.00 @17years June 5th 2016 £30.00 @20years with the current economic climate I am unsure of their true worth, sell off maybe? or is it worth holding on…
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2nd time buyer squeeze/need WoM advisor
Hi, I'm looking for some options for 90 and 95% LTV. I'm quite happy to switch after 2 to 3 years. Our situation: My partner and I are trying to sell our property as we both live quite a while away from our jobs. Depending on how things go we may only walk away with a 5% deposit for our next house, although there is a…
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Mis sold endowment claim rejected by Ombudsman, guidance please?
Hello, We made a complaint to the Financial Ombudsman in 2005 about a mis-sold endowment. We have just received a letter saying that our complaint has been rejected, and that The Ombudsman will not enter into any further correspondence with us in the matter. Nevertheless we feel that we have a very strong case. Can someone…
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Paying off mortgages - I don't understand why this is a good idea!
If you pay off your mortgage by making overpayments then you obviously save yourself a lot of interest. But if that money was in a savings account, instead of having gone on the mortgage, then you could be earning interest on it. Also an overpayment of £200 a month now is worth a lot of money - why is it not better to put…
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Discount special?! Errrr hello?!
I don't understand what the old discount special rate is... just wondering if someone could explain what a discount rate of 5.69% is which is for 2 years and then has an APR of 6.4%. I understand what a tracker is (a set percentage over the bank of england base rate right?) and a fixed rate (obviously, fixed percentage)…
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Dodgy previous owners, will this affect me?
Since I moved into my flat last year there has been all manner of crap turned up on my doorstep, debt collectors, unpaid car finance, unpaid solicitors fees etc. Basically the previous owners had a lot of bad finance. This week a parking ticket turned up so I assume they have not updated car V5's etc to new address which…
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mortgage help advice please!!!
hope someone can give me some advice my husband and i are currently on a fixed rate mortgage deal ending 2010 our circumstances have changed a lot since we took out the mortgage as we are both for the short term out of work husband currently doing postgrad at uni (hence no wage) and i am on maternity allowance does anyone…
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Make endowments paid up?
I have two endowment policies, together I'm paying about £30 per month into them. They aren't attached to a mortgage anymore. They have 4 years to maturity. I have small loans against them. I've just inherited some money. I intend to pay of the loans. After that I'd rather just stop paying into them and let them run to…
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overpayment Q with a twist
Hello All my (flexible) mortgage is with a uk bank, who have had a few wobbles with rumours and share prices, the latest wobble today., I'm starting to wonder if they are the next guys for the chop..... I've overpaid alot into this mortgage, so i'm way ahead. i always overpaid with the intention of pulling some of this…
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Am I a first time buyer?
I used to own a house about 5 years ago but had to move away and so I sold it and have been living in rented accommodation since. I would now like to buy again and have a decent deposit from the sale of my old house to get started with. My problem is, I don't know how to classify myself as a buyer. Technically I'm not a…
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First time buyer
Hi everyone! I'm looking to get my first mortgage. I'm currently living with my dad (nightmare), moved back to save a deposit. I have some debt of around £2000 and am currently paying it off. I have seen a property fixed price £68,000 and would have the mortgage on my own. I earn £17,500 per year. Any info would be…
