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Help - I need a 100% remortgage
My current 2 year fixed rate with Northern Rock ends on 1/2/09. This was an interest only mortgage on 100% ltv. Based on house price calculators I've used I estimate my property to be worth roughly the same as I paid for it two years ago, therefore need to remortgage at 100%. What are my options? Do any providers lend at…
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Payment Holidays
What do people think of these? I'm thinking of just taking a months mortgage holiday (with NR) so I can try and get myself a car. Anybody avail of these once or regularly and are they more trouble than they're worth? Cheers!
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Overpay on my fixed rate mortgage now or save and pay off a lump when FR ends?
this may be simple to some, wonder if anyone can advise or point out my failed logic? my fixed rate mortgage ends in a year, lookng at overpaying to reduce the total. I assume that overpaying directly reduces the capital on which interest is charged? otherwise, is it worth saving up a lump sum and paying this off the total…
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Alliance and Leicester SVR Reduction
Hi Everyone, Have been reading every ones posts regarding A and L, have just got off the phone with them,they say they will reduce my rate by 1.1% from January. I have a flexible 5 year discount mortgage with them which tracks 1.8% below their SVR . Not the full amount but anything is better than nothing ! So quite happy…
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First time buyer with 40% deposit looking for a good deal
Hello I bought a house on Friday and I had originally been looking for a good tracker deal from C&G when they were all taken off the market and replaced. My mortgage will be £77,000 and I want a repayment mortgage that I can pay off as quickly as possible. Any advice on who to go with?:confused:
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Nationwide reserved mortgage - paying double fees ?
Hello - I reserved a FTB Nationwide tracker mortgage in August adding the 299 fee to the lumpsum, intending to overpay immediately to reduce this. I intend to overpay by 500 pcm in any case. The mortgage is 68500 over 16 years. That gave me 1.14 over the BOE Baserate for three years but there is a cap if rates fall below…
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HELP!!! somehow owe £10k more than i borrowed.
Going to ring northern rock but just wanted to check that its not right b4 i do. Took my mortgage out in nov 2006 and had £16k as a deposit from our previous house. we bought our house at £156.500 but only needed to borrow £143k. Looking at our statement (which i dont normally bother to do) i have found we now owe…
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First Time Buyer requires help!
Hi, my partner and I are wanting to get a mortgage in around 6-8months...we have 15k deposit and only student loan repayments of approx 20pounds each, each month outgoing in debt that starts april 09 - are there any good mortgages out there at the moment that we may be able to get reasonable quotes from...we earn 16600pa…
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mortgage breaks
hi i have seen on the internet today that rbs will give people struggling a 6 month break,i have a mortgage with the halifax,do you think all lenders will follow suit?
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Lenders passing on new fixed rates to current fixed-rate customers
Hi all, A quick question... does anyone know of any lenders that are passing on the new fixed-rate deals to customers that took new rates before the BOE rate cuts but which haven't come into effect yet?
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woolwich payment holiday????
Hi all, hope someone can help me, i am finding things very hard at the minute between trying to pay bills and crimbo, finding a bit of extra cash is hard to come by, so when i heard martin talk about a holiday with your morgage lender (woolwich) i gave them a ring an asked could i have one they point blank refused by…
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If I stick with Nationwide!
My fixed rate deal is up at the end of the month, and now that the new rates have been applied (1st Dec) I wanted to see what your opinion would be on the best move to make. Assuming I stick with Nationwide, given the rates, what would you think is best? The equity in the house is about 25-30% but it seems the best deals…
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Interest Only Mortgage
I'm looking at changing my mortgage to an Interest Only Mortgage and on the form it states "Reason for change to Interest Only." Basically I'm wanting to do a temporary conversion to cut my expenditure. Temporary conversion is an option but how would be the best way to explain this? It also asks if temporary to state a…
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Windsor Life Endowment
Hi, any advice or comments re this thread would be very much appreciated. In 1993 I took out an Edition 2 Endowment with General Porfolio - now Windsor Life. I pay £102 per month and in 2007 the current fund value was about £16,000 I have death, disability and critical illness cover for £40,000 4% growth return should…
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Were can i buy Quantum Solace For XBox 360
:eek: Can anyone out there help me, i want Quantum Of Solace for my grandson for Christmas,XBox360 but i have seen so many variations on the price,i am now lost can any one reccomend a good supplier. I have been quoted prices from as little as £28 up to £52 and more.Even the big boys are getting in on the act, i.e…
