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Fully offset mortgage.
Brand new to this forum, and would appreciate an opinion on whether to repay, (in full or in part), my offset mortgage. This arrangement ends in Nov. '09, when we will both be aged 70. We are both standard rate taxpayers. Four years ago we were in a position to pay off our mortgage but opted to effect an offset re-mortgage…
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Separation and Mortgages
Can anyone help me my husband left me and my daughter new years eve I am receiving incapacity benefit and have been for 7 years due to degeneration of the spinal disc,I do not qualify for disability as they decided as I can cook a meal for myself I would not qualify. However my ex husband is no longer contributing to the…
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Mortgage accepted then declined
I recently made an application to the Nationwide and had my application accepted and forwarded to the underwriters. After a few weeks of not receiving an offer, I queried the delay and was told they were waiting for a receipt for the homebuyers report from the branch. I faxed thru my copy and was later told the application…
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Mortgage Express/Bradford & Bingley
Hello I have a buy to let mortgage (interest only) with Mortgage Express who I understand are part of Bradford & Bingley. The fixed rate ends on 30th September 2008. It is going to revert to a tracker mortgage of 1.75% above base rate for the remainder of the term (approx 23 years) on 1st October 2008. I shopped around for…
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Igroup Mortgage - At The Tip Of The Ice Berg! Help Need Some Advice Please!
Hello, new to this website, here is my worry Basically I my offer on a property was accepted approx 5 months ago ALL of the legal work with solicitor is complete to my knoledge. Solicitor says he is pretty confident it will complete before or on Friday 3rd october. I have been waiting for this mortgage for months, it…
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Igroup Mortgage - At The Tip Of The Ice Berg! Help Need Some Advice Please!
Hello, new to this website, here is my worry Basically I my offer on a property was accepted approx 5 months ago ALL of the legal work with solicitor is complete to my knoledge. Solicitor says he is pretty confident it will complete before or on Friday 3rd october. I have been waiting for this mortgage for months, it…
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Andy Hornby - Right deal for HBOS.
Andy Hornby's letter to the people of Halifax. http://www.halifaxcourier.co.uk/mailbag/Right-deal-for-HBOS.4525429.jp
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First Time Buyer Initiative, any good?
Hi Guys, I have been on this forum a few times, thought I would register. :j Right, down to business. I am 23 and currently living at home with my parents. I have always lived at home and feel sooner or later I need to move out and stand on my own two feet. Not to mention, my bedroom is the size of a shoebox! :rolleyes: I…
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Advice for a First Time Remortgager
Hi Everyone, Wonder if I can ask for your advice/thoughts on my situation. I have a HSBC Homestart Mortgage for 25 years. The first 3 years are Interest Only and the Capital Repayment is pushed back to the last 22 years. I have been overpaying by 20% whilst on the interest only portion. The 3 years ends in March 2009…
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Buy to Let with Northern Rock what to do?
Taken out 2 yrs ago @ 5.19% ends 1.11.08. Standard variable 7.49% so payments go from a manageable £540 to an astronomical £769.90 and rent receiving nowhere near being in line. Any ideas?:eek:
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Yorkshire BS rates
Am a bit confused. I phoned my lender, YBS, this morning-my fixed deal ends next week with them-and was offered a 5.79% 3 year fixed mortgage - I was enquiring about a 5.59% I saw last Sunday. I was told that was no longer available and that they had new rates today. But have just looked at their website and can't see the…
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Urgent advice needed before tomorrow morning....
Hi all, I find myself in a difficult position and was wondering if any of you can help but it has to be quick!!!! I am on the verge of getting a mortgage offer through Royal Bank of Scotland (RBS) and unfortunatly someone in thier mortgage dept cocked up. When the valuation came in (New Build originally valued at £245k but…
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remorgage dilema
we are at the end of our current morgage offer with bank of ireland we have just six years left on our morgage of 22000 b/o/i are offering 3 year fixed rate at 6.85% no one else seems to want to know as we owe less than 25000 would we be best to accept this rate or borrow 25000 and move to someone else with lower interest…
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help needed for good re-mortgage deal with no arrangement fee
hi there,my current mortage with Halifax is coming to an end (fixed rated) and I am now on the look out for the best product. However, they all seem to have a £995 arrnagement fee and since my mortgage is £30,000 it seems quite high. Does anyone know of any good deals around? I'm looking to spread it over 13 years
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endowment assignment
I have an endowment with AXA which has an assignment to the Chemical Bank. I only have a month and a half to go and I can't get any reply from J.P.Morgan who took over Chem Bank. Does anyone know how I can get this assignment removed ? I tried the new US based Chemical Bank and they said they had nothing to do with the…
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Mortgage Tie-in's
Hi, My fixed term mortgage is up this winter and I asked my bank (RBS), for information on other products for me to consider moving to. At first the advisor was going through the options, only to then put me on hold. She got back to me to tell me that in fact I was now tied in to a 1.2% above the base rate for a further…
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Mortgage Redemption Statement
I'm currently in the process of remortgaging from RBS to Nationwide, which is due to complete on the 1st Oct. RBS had sent the solicitors a redemption statement dated 11th Sept. stating I owed £110,141.27. They sent me a letter saying there was goiing to be a shortfall of £525 and that I needed to send it to them…
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Standard Life policy - sell or keep?
Started December 1987 Due to mature December 2009 Gross premium £30 With-profits basic sum assured £6804 Sum payable on death £18000 Current bonuses attached £5177 Current surrender value £12974 Maturity value forecasts 3.75 = £13400 5.5 = £13700 7.25 = £14000 Conventional with profits (MC80 plan) and no mortgage promise…
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advice sought
have split with husband,have joint mortage which we just renewed about 2 months ago,also extended it to cover his credit card debts,for next 25 years.as we've split and hes moved out where does that leave me and my son,one minute hubbys going to pay,then he says he wont,or if im nice to him he will pay,hes got me worried…
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lender has switched products.
my broker has adviced me today that the lender who my application is with has changed my product from minor to light as i have actually missed 2 mortgage payments in the last 12 months but i havent and have since double checked and i definately only missed 1. she is going back to them with this but my question is as they…
