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Remortgage with satisfied default
My mortgage is coming up for renewal next April 09 and I am looking at what options I have when it comes to finding a good deal. The problem I have is that I was issued a default notice on my credit history over a year ago. I am still disputing this default as It was issued to me after I moved address into my new home. It…
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Which type of mortgage and who with?
Our plan was to downsize in a couple of years time but we have now seen a house which is everything we would want and in the right location so we were thinking of going ahead and buying this property which will give us time to sort the existing house out and get it ready to sell. We don't have a mortgage on the current…
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Endowment policy query
Hi all I'm helping out a friend sort her finances - she has a Prudential endowment policy alongside her mortgage and just want to make sure it looks ok to the more informed on here :) The monthly payment seems high but after reading about bonuses etc I'm not sure.... Prudential Home Purchaser Plan Unitised with profits…
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im worried for my mum and dad
please can you help im really worried my parents are both accountants both nearly eighty and both still working 10 hours a day because they have to ,to survive. my father made no provision for himself or mum in retirement either through forgetting or neglect of his own finances although he advised hundreds of clients on…
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B&B - what next ?
hi all, what happens to a persons' mortgage when a company is nationalised ? is it just a case of you continue to pay your mortgage as usual and at the end of it take ownership of your house ?
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Some Predict a Drop in Interest Rates to 3.5% next year ... what do you think?
Hi All, I am in the same boat as everyone else, i'm trying to see whether to fix or not and then I saw this: - From ''http://www.thisismoney.co.uk/interest-rates'': - Howard Archer, Global Insight: 'Kate Barker's comments today [MPC member] strike us as dovish overall, suggesting that she could vote for an interest rate…
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Standard Life Endowment Policy - Should I Keep or Sell - Help Appreciated Please
Hi, can anyone offer me advice please. I've finally managed to get figures from Standard Life on my policy and wonder if i should keep or get rid of it. Start Date: 22.07.88 Maturity Date: 22.07.13 Bonus already applied: £6436.13 Last declared bonus: £54.88 Monthly Payments: £37.19 Surrender Value at 26.09.08: £14404.20…
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Please help - Halifax error leaves us £000's worse off
Please could someone who knows more than we do help us out? I'm a newbie. We recently applied to re-mortgage from Halifax - Our repayment figure is about £4k more than our mortgage statement was in July. We made a large overpayment on the mortgage in January and they haven't apparently added all the interest for last year?…
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advice needed on tricky situation
hi all thank you firstly for reading my post this is going to be a tricky one so any advice would be very welcomed we currently have a mortgage with platform funding, we owe approx £134000 the fixed rate ended in november last year and now int rate is 8.75 and monthly payment of £880 (int only basis) we also have a secured…
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RemortGaging with Mortgage Express - Please help!
Hi me and my partner are Remortgaging with Mortgage Express and recieved our offer Saturday. I just wondered if whats going on with Bradford and Bingley will affect this at all? Or will they honour the offer?
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Early Redemption
Hi, I have searched the forums but not found exactly what I'm after: I would like to pay off my Abbey flexible mortgage in full (early) and at the same time add my wife to the deed. I would really appreciate any advice regarding what steps need to be taken to do these two things. Do I need a mortgage adviser or a…
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Can I transfer my mortgage to another property?
I purchased a house for £180k in Nov 06 and put down a £18k deposit. It is now valued between £165-170k. I have the chance to reloate through work to another part of the country where the houses are cheaper and the quality of life is better. Work will pay for all the legal fees, the homeowner pack, removal costs and estate…
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Mortgage taking into account rental possibilities?
Good afternoon- just a quick question- I am planning on buying somewhere in the near future, and I am going to live in it and rent out one room in a houseshare arrangement (probably under that government rent a room scheme). I have a mortgage in principle agreement, but I would like to know could this figure be further…
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Advice Please...Best Deal
My mortgage with Northern Rock runs out in May of next year. I am looking to take out a remortgage of £72000. The value of my property is approx £180-200k. I would like to repay the mortgage in 11 years. Can anybody offer me any advice about best deals, companies. Do I go offset, fixed, broker etc.. Any advice would be…
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Fixed or Variable?
Afternoon all, My partner and I are about to take out a new mortgage deal, as our current deal comes to an end in the next couple of months. We've been thinking about and trying to consider which would be the best to go for, a fixed rate or variable rate? We should be able to afford either (at the current rates). At the…
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Scottish Widows Professional mortgage
We currently have a professional mortgage with Scot Widows and have just applied to increase it in order to fund the purchase of a new home. Does anyone know how quickly these kind of applications can go through as we need to do a 30 day exchange. We're hoping that as we are already customers, some of the rigmarole…
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Halifax remortgage
I have just arranged a remortgage with my current provider (Halifax). The new fixed rate deal will start when my current one expires on 31st December.I got the deal over the phone and was told that I dont have to sign anything but when i receive the paperwork I just need to phone and confirm the deal.Am I correct in…
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Remortgage and redundancy problem
Hi, we are putting our house up for sale, and now this week my husband was made redundant, i don't have a salary. Our mortgage fixed rate is up 1st Dec. Will we still get a remortgage, as my husband starts new employment tommorow. We own a big share in our house, and we will be only looking for a £30,000 or £40,000…
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help; NATIONALISED B&B what will happen to my job
Hi i work for B&B can anyone tell me what will happen to jobs if the bank is nationalised. I have just seen on the news that it will either be nationalised or taken over BY MONDAY. Will all jobs be lost or will the government keep the staff to continue the business. Or if it is taken over by another bank does that meen all…
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Mortgage or Savings??
I have recently come into some money - £25,000 Would it be better to put this into my savings account - Kaupthing Edge earning 6.55% before tax. or pay off a lump of my mortgage - Woolwich 5.9% many thanks in advance!:D
