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Overpayment calculator
I have been playing around with some of the mortgage overpayment calculators that are around and very helpful they were to. However most of them were geared to people making the same regular monthly overpayment. Anybody know of any calculators that let you enter, say, annual lump sum payments to see what the effect was.…
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First-time Buyer Mortgage
Hi there, I wonder if anyone can help me. Me and my partner are FTB and are looking for a mortgage. We currently have a 10% deposit and the house we like is £100,000. Is there anything out there for us? If anyone can help, thank you. Rachael.
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Ex-Bankrupt looking for Mortgage
Hi Everyone, Apologies if this subject has come up before, but I'm having no joy getting the right information. I decleared myself bankrupt in October 2005 and was discharged in October 2006. I am fully solvent and am saving up for a deposit on flat, I should have around £20,000-£25,000 in the next 3/4 years. My question…
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Help - me and partner split - what to do with house?
Hey all - I wonder if anyone can give advice or share experiences - I sopose I should fill in on the detasils: Me and partner have just split, we have house and mortgage, on the paperwork we have 50/50 share - recently he put in 26k of his cash. the house was brought for 147k 18 months ago, we now have a mortgage of 122k…
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Endowment policy surrender or cash in?
Please can anyone advice me what is the best option? I WOULD BE GRATEFUL IF ANYONE KNOWS OF A BROKER WHOS REPUTABLE WHO WILL BUY THE POLICY:confused:
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Mortgage Woes
My mortgage fixed rate is due up in the next couple of months (Halifax). But oh what to do, I have looked at the advice page here but there's so much info its making my head spin :money::mad:. Now there's alot of speculation as to the rate dropping alot for the next few months, so a tracker seams to be in order, but I…
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Broker Fee
We had a remortgage arranged for us by a broker.We paid him an arrangement fee of £99 to do this.To cut a long story short it went on for 2 months until we finally got the mortgage offer from the lender (fixed).After seeing all the figures and weighing up what was best for us we decided to stick with our current lender…
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Where can I find new mortgage deals updated daily?
Hi there I am desperately trying to find a buy to let mortgage, but they are changing so fast, each time I apply for one, it either gets pulled before I have a chance to fill out the forms, or something else happens like interest rate changes, which makes me want to hang on a few days!!! Is there a comparison website where…
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Self Cert Advice Please
Hi, Could anyone please point me in the right direction for a self cert mortgage. I know these are harder to get these days and was wondering who still offered them. we would ideally be looking at a 5 year fixed rate. The borrowing is 75% of value and the provable income would mean we needed a 5x joint income. I have only…
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First time buyer on maternity leave... help!
Hello! I am due to start maternity leave next May and plan on taking the paid maternity leave - which is nine months. Ideally, because of the current state of the housing market, we would like to buy a house at the last possible minute before I have to hand in my notice (ie: 7 or so months into my maternity leave - late…
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Mortgage name change
My partner lives with his brother in a house they bought over a year ago. Both names are on the mortgage and his brother is the lead name. However recent family problems have caused his brother to move out and ask me if I am willing to buy out his share of the mortgage and move in. I am willing to do this, however I have…
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Will a bank loan me if I didnt pay them in the past???
Hi there, I hope this is the right forum as I'm new here. Around about 12 years ago I ran up about £2000 on a Bank of Scotland switch card which I had being paying off untill I got payed off. I then stopped paying it completely, I went to see a lawyer about going bankrupt and was told not too as my debt would be wiped in 3…
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do arrangement fees have to be added to mortgage?
Just applied for a tracker mortgage with first direct and they seem insistant that the £999 arrangement fee is added to the mortgage loan? this obviously will put our payments up. Do we have to do what they say, or can we insist to pay the arrangement fee up front, and just borrow the amount we need?
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Norwich Union - Am I entitled to Interest?
My endowment policy has matured and for some unknown reason I received my maturity pack over a month late from Norwich Union. It might not amount to much but if I apply an interest rate of say 5% on a maturity value of £30000, this works out at over £100 for a months delay in receiving payment. Can I seek interest on the…
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One account woes
Hi all I am clueless when it comes to money and basically just hope we have some at the end of the month, In a quest to try and rectify this I want to try and sort the finances. We have Oneaccount with virgin one, which I dont think really suits us as we have no savings but was a good option at the time we took it as we…
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Short term direction for Liable Rate for Fixed term mortgages???
Hi all, I am stuck into my mortgage at the moment owing 93% of my property due to putting a 5% deposit down originally 2 years ago. This basically traps me into RBS into the fixed term rate for 2 years at 6.64%. (fee £999) I was originally offered 6.25% and was shocked to find out when the BOE cut interest rates this…
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pay off mortgage with a loan??
Hi I am new at this (just joined today):jso haven't had much time to check out all the threads! :rolleyes: So if I am repeating anything I apologise!:p I am 57 and have £39,000 left to pay on my mortgage. I currently pay and extra £245 per month but am worried about the next possible hike in mortgage rates. I have a five…
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Changes to Alliance & Leicester SVR
Will be reducing SVR by 0.25% to 6.94%. Effective from the following dates: * New borrowers – 30 October * Existing borrowers – 2 November
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Interest Rebate on Interest Only Mortgage
Hi all I am in the process of a Transfer of Equity on my home from my wife and I to just me. I have been told that my settlement figure takes into consideration any interest rebate that we are due as we are not settling at the end of our payment month. This of course is joint money as it came from my wife and I yet being…
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Fixed or Variable Rate????
Hi, New to this, so please bear with me! Our fixed rate Mortgage (~£97k) with A & L is just about to finish (and payments will go up by about £100/month), but we are now being offered either variable tracker or fixed rate options to bring it back down a bit. We are able to meet the payments without any probs and are trying…
