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Woolwich - anyone else have this issue?
i have just chwcked my bank statement and the Woolwich - my mortgage provider have charged the same as the past 2 months for my mortgage repayments, despite the change in int rates. After calling them and asking them why this was they said oh we have lowed out int rates, but you still have to pay the same, it just means…
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Mortgage Repayment
My current mortgage deal runs out on the 1st January , at which point I want to repay my mortgage in full. How can I do this without incurring any payment charges , given that 1st Jan is a bank holiday. I have tried`asking the Halifax but they are avoiding answering the question and now are not repsonding to my letters at…
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can i get out of RBS deal?
Hi I am looking for some advice. I am currently with RBS for my mortgage,the deal I was on ended nov 08 and would be put onto the variable rate. At the time rates were high and I signed a new deal end of september, however RBS have said they have received the paperwork but not acted on it and I am currently paying the…
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Throwing good money after bad? Seattle Mortgage conditions
My instinct is to stash cash. Identical house to mine in neighborhood on market for 489k- short sale. Son leaving for college in the fall. Not desperate but when is it time to stop the bleeding of my cash • Mortgage is 511k - monthly 4k - 7% 30 yr fixed. Paid 566k Appraised at 592k but who cares? It is only worth what…
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First Direct, wheres the catch?
Can somebody tell me where the catch is with there Life Time Tracker at 3.69% ? No massive fee, and reasonable LTV as well, there MUST be a catch?
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Negative Equity
Hello My other half and I have split up and own our flat together. We have a 100% mortgage with northern rock and on our own we cannot afford to keep it. It is only a one bedroom flat and therefore cannot get a lodger to help cover the payments. The only option we have is to sell the flat but we will end up owing Northern…
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Proof of earnings question
Hi, I'm most likely applying for a mortgage at some point and I'm trying to gather some info. I currently have 2 jobs, my main job is paid monthly and im sure I can get replacement 'proof of earning' wage slips for the application. With the second job there is a slight problem I have some wage slips but not all and Im not…
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Urgent Help please: Relationship breakup and Mortgage
Posting for my brother. Going through a split up (girlfriend wanted to go travelling apparently). Settled amount ex to be paid. Spoke to the bank and to move the mortgage to his name he is about £20k short to secure mortgage. Really doesn't want to lose the house and we are not sure on the options we have. :confused:…
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Help with Slashing monthly Mortgage repayments
Firstly let me introduce myself im Chris from south wales im quite young at 23 years old with a small chil 3 year old and a partner.We are quite new to all this both me and the mrs arent the sharpest tools in the box when it comes to this stuff thats why im looking for your help guys.,we are finding paying the mortgage…
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Nationwide Tracker Collar for Existing / New Mortgage Customers
Currently on a 2 year tracker at 0.07% below base rate, so very happy following Nationwides announcement the other week that they are not enforcing the collar of 2.75% Therefore just wondering where this leaves existing customers if base rates continue to fall. Will they suddenly enforce a lower collar? Attached is a link…
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Endowment shortfall
Hi Can anyone give me any advice please? I am in a situation where I have about 7.5 years left on my mortgage. It is an interest only with an endowment policy. Basically the policy is only going to make £20k at 4% and it is meant to cover £38k. I have seen a IFA who has advised me to cash in the endowment (value about £11k…
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doll
what will happen if i cant pay this months mortgage,i have never missed a payment.
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HALIFAX MORTGAGES Consent to lease rates versus their Standard Variable Rate
Hello everyone, I have had the same mortgage with Halifax for over 3 years. It was a very interesting rate to start with but now it's switched to their Standard Variable Rate for a while. This rate keeps going down at the moment, and is now 5%, but it's only because of the actual situation, because in general it's quite a…
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abbey svr
is there any news on abbey's svr yet, after the last boe 1% cut? or are they sticking with the 5.44% ? thanks
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Spanish Mortgages
I have a Spanish mortgage but it has not come down at all. Does anyone know why?
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Woolwich Tracker Mortgages
A word of warning/advice for people with tracker mortgages with the Woolwich. We took ouot one with London and Country Brokers, after reading advice on Martin's pages, about 18 months ago and got a great deal. We got 0.18% above the base rate for life and with no fees. We were over the moon.! However after our end of Oct.…
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mortgage rate cut for me?
will there be a mortgage rate cut for me? I will be coming off a fixed rate 5.9% 100% mortgage next year. Going straight onto a SVR. will my payments go up or down? what with all the recent interest cuts? ...dreamland? ....no? Dan
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What would you do next?
Hi, Have just got our first payout on endowment against our mortgage, but what would you do in my position? - am eager to hear some ideas... Mortgage - £72K Payout - £17K Currently on fixed rate with HBOS, due to end Jan 2009. Do I: - Just pay £17K against mortgage and remortgage the reduced amount on a tracker or standard…
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Brooker Needed In Bristol
Hi, Can anyone recommend a "whole of market" broker in the Bristol Area. I have asked around friends and family and they all seem to have negative opinions on all the brokers they have used in the past. Any info/advice much appreciated thanks. Steve
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Mortgage Advice/Knowledge needed
I am looking to see if anyone knows of a lender out there who will offer a co-onwership/shared ownership scheme for someone who has light adverse credit. I have some debt problems in the past and wouldnt be considered high street lender's cup of tea but my problems are not that bad. In total my debt would probably only…
