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Mortgages & endowments

Archives for January 2009

Northern Bank?
3.49% Tracker Looks like a good deal I've not heard of them before Any info on their criteria would be helpfull. ie, Income multiple Proving S/E income LTB Calculation etc Any help would be most appreciated Dean
Independent adviser / broker
Last year year had a mortgage arranged by a local (Hampshire) company. After it was arranged they expected a fee of £750, which was absolutely not made clear to us. (It was on the key facts, but its obvious we did not read it well enough at the time...) This companies response to our complaint that this fee was not…
mortgage ratio to deposit
im confused how these work. say for example i want to buy house a for 100k and i can only borrow 25k i would only qualify for mortgage rates that require 25% deposit e.g. on a fixed rate. If i took out a 20 yr mortgage and was on fixed repayment rate for 10 years, i would have paid half the mortgage. Does this mean if i…
Endowment - to cash or not to cash
Norwich Union With-Profit fund due to mature 1 April 2010 Monthly payment £68.98 Plan value £30,000 Minimum life insurance amount £13,170 Regular bonus (guaranteed to pay out) £7,625 Luckily for us we have paid off the mortgage so are not going to have a shortfall crisis, but are now wondering, in the light of scary…
claim on property rights
the girlfriend run off with a toyboy over ten years ago, we had a mortgage together which she never paid into. she has disappeared and never claimed or serviced the house in any way. can i claim full rights over the house due to her abandoning the house as in the case of squatters after ten years?? just a thought
Fixed Rate Ending
Hi My 5 year fxied rate is ending with C&G at the end if April. It is then going to a standard variable rate of 3.5%. I only intending staying at the property for another year. Is it worth re-mortgaging or should I do nothing? Presumably I would save money on re-mortgage costs by doing nothing? I'm also hoping that the…
Newbie: Would welcome advise on this endowment policy
Hi folks, Background: I'm brand new here and unfortunately I'm financially clueless - but I’m hoping to rectify that. In addition to the information below my finances are a litany of 16 K credit card debt (all now shifted to life of balance cards), and an unsecured loan of around 10K from Lloyds, so my options are limited…
variable interest rates
i'm currently paying nearly 9% on my mortgage and can not swap. can i do anything about this? my rate ALWAYS goes up but very rarely down hence the high rate, but surely this isn't what you would call variable?
endowment maturity schedule
Hi, Luckily my endowment is due to mature on 13th march 09. today i received a letter from clerical/medical, saying it has written to the nationwide to deal directly with them. attached to the letter was a schedule of maturity benefits. sum assured - £6128.00 Reversionary ( inc interim) bonus - £8179.60 Guarenteed terminal…
Advice needed this weekend please!!!
I am about to commit to a Natwest mortgage and I am double checking I have made the right decision. I have opted for their off-set flexible mortgage which has a rate of 4% but a fee of 2k. (I wont really use off-set facility as I have no savings, I just liked the idea of having no tie-ins so that if fixed rates dropped I…
Mortgage Statment - GMAC RFC
Hello, Its confused me again!!!! Just asked GMAC RFC for my mortgage statement for the last 2 years as my fixed rate is coming to an end in May. And I am looking to shop round for a mortgage. Well to my suprise, I owe more now than when I started out, and the interest charged on the interest only (Fixed 2 years)mortgage…
RBS mortgage, how long?
Last Monday we provided RBS with payslips etc via our financial advisor, and so far we've heard nothing back. Our IFA doesn't feel good about it as he thought the survey would have been booked by now. Just wondering if anyone else has used RBS and how long things took? Is this wait normal?
Porting a mortgage with RBS
Hi We have had a mortgage with RBS sine Oct 2006 and have never missed a payment. Now we want to move house to a slightly lesser value house but add life assurance which would mean monthly payments would stay the same as they are now. For some reason, they want bank statements as well as payslips which worries me. Our…
Help needed with Critical Illness Insurance Claim
I recently had a claim rejected, do I challenge the decision? Opinions welcomed!
Barclay Woolwich Tracker BoE linked ad
Hi, this is my first posting but for people like me who have a lifetime tracker with woolwich, this barclays ad could be one more "arrow" if they try to impose a collar. Before I get told off re KFI etc, i'm only saying it is one more "arrow" :rolleyes: http://www.tellyads.com/show_movie.php?filename=TA2927
northern rock fixed rate ending this year
we've got a mortgage with northern rock on a fixed rate of 4.69 % which ends in November we've had it for 7 years and were offered the chance of fixing it for a slightly higher rate until the end of our mortgage but we didn't do it and now I'm wondering if we should have done but oh well our house is worth approx £240.000…
mortagage protection
not sure if this is the right place to post this so feel free to move it if need be I was just wondering if any of you have taken out mortgage protection again I'm not sure if that is what its called what I want to do is take out some sort of insurance which would cover my mortgage repayments if either of us were made…
Spanish Mortgage - Options??
Any suggestions for alternatives (if any) other than a simple Spanish Euro mortgage?? My scenario is that I own my house outright, no mortgage and no debt. I am 50 and retired (ill health...but not terminal....). My gross income is £26K per annum. No other outgoings. My house is presently valued at £180,000, and I do not…
Newly self employed wanting to move house?!
Hi all & good morning, My hubby has only been self employed for 8 months and we are concidering moving closer to his business to help cut costs, the thing is we've contacted our mortgage lender and they said thet we need '2 years worth of accounts books' to show income! I had my heart set on moving but this has put a real…
phoenix endowment maturing feb 2013
Help. I have three endowments one is about to mature and has performed. The other two are a Phoenix originally a Royal Life policy and a Hsbc policy. They both finish in 2013 and Im not sure whether to surrender them now and pay off a chunk off my mortage. When I phoned around the endowment buying companies they werent…

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