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Halifax LTV 95% at 7.49%
Hi , I am currently in the early stages of buying a new build flat for £80,000 with a cash back of 10% so my mortgage would be £72,000 . Halifax is the only lender that will touch a new build flat at 90% ltv but it comes with a price of course interest rate of 7.49% fixed 5years. but if i was so put 15% down they would…
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Real Dumb Question...
Hi, I've been with my lender now on the same deal for about 11 years, and I'm afraid i've never yet shopped around for a better deal. I believe their current SVR is 5.6% We currently owe around 45-50k on a property that was purchased at 60k in Feb 97 I know this is a little lax, however I have a number of concerns about…
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Help Can HBOS only drop .25 after BOE drop 1%?
Hi, Can anyone shed some light on this? HBOS has only droping .25 (SVR) on 1%drop from BOE today. All other banks, BS etc..seem to be going the full 1% headed by LloydsTSB. My question is am i right in saying that HBOS is about to be brought by LloydsTSB? if so will HBOS then change and follow suit with LloydsTSB and drop…
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Advice Needed From A Mortgage Underwriter!
Hi I hope it's OK to list on this forum but I thought it was the closest I could get. I posted the below message in one of the other forums rooms but did not get much response and I think it was in the wrong place. I need some advice about my problem with Talktalk who I am worried might put a default on my credit file,…
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Anyone iwth an IF tracker mortgage
We have a intelligent finance tracker for life mortgage at 1.5% above BoE base rate. It is an offset mortgage. We have not yet had the 1.5% reduction the BoE did last month just the .5% from October with an effective date of 2nd November:confused: however the lower payment on that only takes effect from 16th December. Our…
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Getting a new mortgage product
Hi My morgage is due for renewal this coming August 09 can anybody please tell me what is the earliest time i can secure a new morgage product before this date. Im currently coming to the end of a 5 year fixed rate deal and i was informed by a friend that i can look for new products and secure the new mortgage product no…
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High Lending to value fee
Hi all....i found an old final redemption mortgage statement......on this statement there was a high lending to value fee???? any ideas what this is apart from a rip off charge by fat cat banks and building societies.....can you claim this back...any info would be great :beer:
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mortgage payments taken prior to due date
Hi wonder if anyone can help......we've ended up in arrears. Our payments are due on the 1st of each month as outlined in our letters etc However it has been taken on several occassions on any date ranging from the 27th to the 31st! We made it the first to ensure that there would be sufficient funds to do this.....can they…
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should be fix our mortgage?
hi in march we came of a fixed rate on a repayment mortgage with abbey national. this went onto the variable rate then i guess. Would be woth fixing now the rate is low? thanks in advance.
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Newby endownment claim!!!
Hi all, We have two endownments with Friends provident one for 20,000 sold to us back in 92 that is not doing very well. Just had a letter saying its lost £2000 this year. The other is for £55,000 again with Friends and failing. We were sold these by two separate brokers here in Brighton. Both of the brokers are long gone.…
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One Account Rates Cut
Since the old thread has mysteriously dissappeared I thought I would start a new one as even though the old thread has gone away, us disgruntled customers have not ( even though RBS probably wish we would!) and the issues are definitely not settled yet. So what does everone make of today's cut? Is it a case of here we go…
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Interest only Abbey Mortgage set up as repayment and no way to change, HELP
I took out a remortgage with Abbey in May which was meant to be interest only but they made an error and set it up as repayment. I complained and received a letter from them in July admitting the error and asking me to sign and return a letter to change it into the correct format, thus allowing me to pay approx £1000 pcm…
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shared ownership and fixed rate mortgage
Hi all, having saved money in every way possible I can think of, especially after losing my job in August, I'm looking at what could be possible with my mortgage... I got my 2 year fixed rate with Halifax almost 2 years ago (expires in May). One of my limitations with mortgages is my house is 50% shared ownership (renting…
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Effects of 1% cut on fixed
hi all. I am in the process of getting a fixed rate deal direct with lloyds/ C&G. I have an agreement in principle - fixed @6.59% for 5yrs (but haven't signed and sent in paperwork yet). My question is (going on previous rate cuts) are they likely to bring out better deals based on the BOE cut?. I asked the LLoyds advisor…
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Stay on SVR or move to Tracker
ive sort of decided, but wanted peoples thoughts on this also option 1 Stay where i am on a 4.39% SVR no fees option 2 Moved to a .99% life tracker with a £830 max fee,s and no tie in or redemtion , currently 2.99% !!! Monthly saving on life tracker would " currently" be approx £130 Advice welcome :beer:
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1st time buyer mortgage help required
:money:Hi all, Me and my fiance are in the process of trying to buy our first home. We have been accepted by our local Key Worker scheme to help with a part of the cost. They will lend us up to 35% of the value of the property. We were initially going to use the extra £ from the scheme and use it as a deposit for the…
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Offset tracker mortgage where savings balance mortgage loan... What should we do?
Hi, I'm having a strange day today and can't for the life of me figure out what's the best thing to do so hoping to get some good advice from my fellow MSErs. The Facts* We have a lifetime offset tracker mortgage at BR +.79, so as of today our new mortgage rate will be 2.79% (there is no floor on our deal). * Our current…
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A resource/website listing Mortgage lenders current SVR's?
Hi, Does anyone know if there is a resource or website that allows you to find out what your mortgage lender is charging as their Standard Variable Rate (SVR)? I am interested as I am unsure what my fixed deal will change to when it expires soon, also it would be good to see their competitors side by side. I am looking on…
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Natwest offset cut to 4.95%
And looks like the product is back on the market a it is back on the website. They still owe us a 1.5% drop though if you include todays 1%drop.
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surprised at hbos only cutting 0.25%
http://news.bbc.co.uk/1/hi/business/7764690.stm I'm not going to say thieving etc.... just surprsied given C&G have gone the whole hog ... is this a reaction to the " don't enforce the collar on trackers"
