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November Base Rate Predictions
This month I have remembered a little further in advance to post the predictions poll! It was an interesting one last month, with the majority (including myself) getting it wrong, with the masses going for -0.25%. Its getting harder month on month now.....We clearly have a green light from number 11 saying to hell with…
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overpayments
I wanted to ask a question about overpayments. If say i overpay, then will whole amount reduce my capital or some of my overpayment will be counted as interest. Say on 158k loan, if i ovepay 3000 in one year, will it reduce the amount to 155k?
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best tracker deal
I have looked around most mortgage tables and sites and the best deal for remortgage that i have found is with first direct life time tracker. Its base rate + 0.99 for the life of the loan. the product fee is 399 and i have to pay for the valuation. The legal fee will be paid by FD. Does anyone know of any better tracker…
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American Mortgage....possible ?????
With American interest rates now slashed to 1%, can i get a mortgage at American rates ???? Are there any pitfalls etc etc cheers:beer: damski
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Mortgages For Low Income Earners
I earn less than 15K a year and live as a tenant with relatives. I am looking to get a mortage out as soon as I can because I've heard many times over that renting is literally cash down the drain. To top things off I also have an IVA committment. I really would like my own place although I am divorced now and don't need…
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Remortgage advice please
Hi Looking for more advice please! We come to the end of our fixed rate mortgage tomorrow with the C&G. I managed to get a 5 year fixed rate reserved with Woolwich back in April at 5.69 with a £1,000 product fee. I did have some concerns about us continuing to meet the 80% LTV however they have valued the house and that is…
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Standard Life Endowments
Hello, We have three endowments with SL. On doing my monthly check yesterday on line to verify the value of these polices I noticed that they had plummeted by about £4K. They had continued to rise, slowly, prior to this.These policies no longer form the basis for any mortgage repayment. I have contacted SL but as yet have…
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Mortgage Redundancy Insurance
Can anyone help? I am looking to take out redundancy insurance, but for a guarantor mortgage. Is this possible? Although I am only the guarantor, I pay the monthly mortgage payments Thanks for any help in advance
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Halifax and house deeds ...HELP !
My mother in law finished her Mortgage 6 years ago. The Halifax told her it would Be more safe if they held the house deeds for her at a cost of £100, this was the last she heard from them untill she got a letter from them saying that she owed £646.00. The house is a small 2 bed terrace worth today about £65.000. If she…
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One Account cutting rates by 0.5%!
Dont know if this has already been posted on forum but received letter today from One Account saying 0.5% decrease in interest rates from 3rd November. ABOUT TIME TOO! Nice little surprise christmas present! WOOHOO! :j :j :j :j :j :j :j :j :j :j :j :j :j :j
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Getting An Ex Off Mortgage
Can anyone advise us of how to remove an ex off the mortgage, if her name is on it , she ahsn't lived there for 12 months and there is no equity in house. She doesn't want the house but says she is been awkward cuz she can..... please help!!
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Possible mis sold mortgage
4 years ago my mother and father had a letter from their mortgage endowment company stating that the policy would going to have a short fall at the end of its term. Immediately they contact their mortgage company The Woolwich to change their mortgage. They remortgaged with a repayment plan and cancelled the endowment…
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Apply for credit so near to remortgage date?
Folks, New to the board. Hi. I have a mortgage with Northern Rock, which is due to reach the end of its fixed rate deal in April '09. I also have about £7400 outstanding on a credit card. I am paying 24% on the credit card. My question is: should I apply for a new, 0% balance transfer credit card, even though there are…
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Mortgage advice please
My fixed rate mortgage (currently 4.97%) is coming to an end at the end of the year and i'm looking for some solid Red Issue advice! Currently i'm with Nationwide in a property worth approx £210k with an outstanding mortgage amount of approx £155k. i pay approx £972 a month on a repayment mortgage over 25 years. Nationwide…
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Can anyone recommend a mortgage advisor?
Hi all, was wondering if anyone could recommend a good mortgage advisor who deals in self-certification mortgages, preferably in or around the Darlington area, and who doesnt charge high fees. The fees free one I previously used has closed. There are lots of advisors in the yellow pages and internet but don't know where to…
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BOE Interest Rate Vs Mortgage Rates
After reading in the news that the Bank of England should cut interest rates drastically to maybe 1% etc, I was wondering what effect this would have on mortgage rates if it did happen. I presumed that mortgage rates would follow suit being about 2% higher. Then today I heard that the interest rate in the USA has just been…
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Standard Life not offering rates to existing customers?
Coming out of 2 yr discounted variable rate on £150K mortgage in Dec with Standard Life so just rang them up as haven't heard from them and was told they are not offering any new rates/deals to existing customers at all? Have to take or leave the increase once discount has expired! Sounds really strange to me as when…
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mortage direct debit charges reclaim
hello there, we are just about to complete on our house my wife had her own mortgage and i had a interest repayment , i borrowed 105,000 and now they want 109,000 back,. they are charging us money for DIRECT DEBITS that were not paid. so like the banks charge 35 pounds they are charging as well , CAN WE CLAIM THESE BACK,…
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Quirky problem with mortgage and change of parties
Hi Was wondering if anyone can lend some advice in this situation: I took a mortgage out two years ago with Northern Rock. The property was worth £95k and I took out £115k. Now, at the moment the property was valued at £110k whihc leaves a deficit, which I'm not too bothered about; just setting the background financial…
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Mortgage Advice
Hello. I am trying to get a 95% mortgage. I got a mortgage in principal but the mortgage adviser who put my application forward failed to declare i had a loan, so now it looks unlikely my application will be approved. Last time I spoke to him was over 3 weeks ago and he had failed to return any of my calls or emails, the…
