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Should I remortgage? I'm confused!
In April 2007 I got a together mortgage with NR. Flat valued at 71K and I borrowed 75K. On a fixed rate I am paying £511 per month. I've done a lot of work to my flat, and it is in a very sought after area, so I think it is now worth about 82K. By the end of march I'll still owe about 73k which gives me a ltv of around…
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Buying additional units to cover Endowment shortfall
Is it possible? Is it worthwhile buying extra units in my Standard life endowments (while they are cheaper) to help cover my shortfall? 1 is due to mature 4 yrs and another in 13 yrs! I have filled my isa amount £3600? I have some savings that are not earning at the moment. Any advice will be appreciated Ewan
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Northern Rock - statement late?
Anyone else with Northern Rock, due a statement for 1st December that hasn't turned up? It's very frustrating - I never used to look forward to mortgage statements arriving with quite the same enthusiasm I do now! Cheers!
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Buying additional units to cover Endowment shortfall
Is it possible? Is it worthwhile buying extra units in my Standard life endowments (while they are cheaper) to help cover my shortfall? 1 is due to mature 4 yrs and another in 13 yrs! I have filled my isa amount £3600? I have some savings that are not earning at the moment. Any advice will be appreciated Ewan
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need some help regarding getting new mortgage
Hi I need a bit of advise, i am in the process of buying a new home. I always though i we would need to self certify, however after speaking to a ifa we were told we could do a full status application. We applied for a mortage with a main stream lender during this process, however a few weeks later i told him i had seen a…
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Complaint Upheld - Yippee!!!
Hi all, just wanted to post my good news. After nearly 2 years of battling, the ombudsman wrote to us yesterday upholding our complaint against L&G for mis-selling endowment. I'm really pleased, however I understand that the next stage can be a bit of a complex matter in agreeing compensation? Does anyone know about this…
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Arrangement Fees
Hi All, I was after some advise and was hoping somebody could help. I have signed up to a mortgage with Natwest and the legal bits have started. There are 4 parties on the mortgage and there was a miscommunication with 2 of the parties who are 70 years of age. We wanted to remove there names off the mortgage so we could…
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Mortgage or Pension which should it be?
Morning All, Right I have a bit of a dilema going on in my head. Here's the long and short of it. Myself (38years old) and my partner (37years old) have about £7500 in a 10 year bond which matures in 2012 which we pay £100 a month into as it currently stands with the stock market not doing so well we are £500 down on what…
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How long to fix for?
I am trying to decide which mortgage deal to go for and over how long. Bit of background - I currently have 3 defaults from 2004 on my credit file and some arrears from 2005 which have now been marked as satisfied. The best deals my IFA says he can get me are from my current provider and he is advising me to fix for only 2…
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Natwest 100% mortgage back?
I read on another post yesterday that Natwest has brought back their 100% mortgages for existing customers. I checked their website and couldn't see any details. Does anyone know any more about it. What rates are they charging? Thanks
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Can you help us decide what to do?
Hi, we've got decisions to make but not sure which way to go or whether there are other ways we haven't even thought of yet! Here's the situation. We've found a property in Scotland that we'd love to buy BUT my partner hasn't sold his house yet. He put it on the market just as things ground to a halt so he rents it out and…
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abbey svr
:confused: :rolleyes: Just been on abbeys official sight and it is stating that ther svr is 4.94 % again they fail us with only half the cut passed on . Will they pass any of next months cuts on ? I cant believe it took 16 days to work that out,just not playing ball im afraid think im going to look for new deal and to be…
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Remortgage advice end of NR fixed rate!
Thanks in advance for any advice! Coming to the end of a Northern Rock Fixed Rate Mortgage and looking for best deal. Live on my own single income household. I currently owe £28 000 (or there abouts when deal ends April 09). Fixed rate has been at 5.59 % with 17 years remaining. Current value for the flat is somewhere…
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Mortgage Disappointment Story
Hi, I have a tale of mortgage woes, and was wondering if at any point i have any comebacks: I recently found a great house, the former show home for a recent development. Whilst being shown around the property the estate agent told me it was built in 2004, and had 6 years remaining on the NHBC certificate. I haggled a…
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Bank of Ireland & Abbey Both Doing 95% LTV
Bank of Ireland & Abbey Both Doing 95% LTV Bank of Ireland Fixed 6.35% Abbey Fixed 7.09% Not very competitive but show higher LTV's seem to be on the way back
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New Halifax deals for existing customers
Just a headsup for those on the SVR waiting for better deals. http://www.halifax.co.uk/mortgages/newdeal.asp They have 3,5 and 10 year fixed rates now. Not too tempted myself as yet but what is interesting is that those with low LTV aren't getting particularly better deals.
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Best deal borrowing 90K on 180K house/20 years?
Hi please help- am looking to borrow 90K over 20 years on a house costing 180K. Have been a teacher for 15 years so job is safe, earning 32.5K. Can anyone advise on good mortgage deals? :confused:
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Offset Mortgage
If I have an offset mortgage and just transfer the mortgage amount into my offset account every month a few days before the payment is made, what is the difference between this and a "standard" mortgage? Is it just that I'd have access to any overpayments if required? What would be the differnce if I used the offset…
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10% Mortgages
Hi, Does anyone know of any lenders that are doing 90% (10% deposit) mortgages for first time buyers? Thanks
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BTL mortgages any good deals out there
I'm looking to rent my property out next year and as far as I'm aware I cant keep my existing mortgage on my property is this correct? If this is the case what deals are about I will need to borrow about £58k value of property is approx £120k
