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Too early to remortgage??
Hi, My Mortgage is due to come to an end in June 2009. It was a fixed rate for 2 years. Is it too ealry to look for deals for this? Can I apply for a deal to start for June 2009? I am worried that the interest rates will go higher in the future, is there any long term fixed rate mortgages out there. My house was worth…
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Fixed rate Mortgage due to end - help
Hi everyone I am approaching the end to my fixed rate full repayment mortgage (had it fixed for 2 years -ends in MArch). I am currently paying 6%(£713 @ month). I am really after some advice.....mortgages are new to me and I am not sure what I should do next? Interest rates are coming down so should I try to fix again -…
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End of term
Our 2year tracker deal finished with woolwich last week should wee stay put with them on their variable rate or start looking around for other deals, thanks.
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Adverse Credit Mortgage
There seems to be so many advertised, looking at a potential move has anyone got any good advise on reputable adverse credit mortgages..
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Lloyds Tsb 10 Year Fixed Rate @ 4.99%
hi,first post on here. would people reading this agree that ten year lloyds / c&g fixed for ten years @ 4.99% is a good deal? (may well go lower this week) i know early exit fees are very heavy,but for great peace of mind for ten years for people like myself who intend to stay in the same property... seems like a good…
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Porting a mortgage - confused
Hi I hope someone can help - we are looking to move house very soon - currently we live in a 2 bed maisonette with 2 kids (talk about bursting at the seams) somone has mentioned about porting our mortgage....? can someone explain briefly how this works? our current mortgage is £113k property is on market for £125k but we…
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The One Account Interest Rates throughout 2008
Does anyone have this handy? I need the various interest rates for the months of 2008. Many thanks
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Best use of rates?
I owe 37,000 and pay £800 per month but only need to pay £270. My rate is due to change to 2.34%. The idea is to pay my mortgage early and at this rate would have approx 5 years left. I have no ISA and need some home improvements. Is it best to borrow money now for home improvements or wait to see if rates come down or…
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Offer Accepted, now what?
Hi, We are first time buyers and have been lucky enough to run into the property we want to live in at the first viewing and our offer, after some negotiation, has been accepted! This is great news because we can get the ball rolling, but to be honest, I haven't done a lot of homework as I thought I'd learn "as we went"…
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which product is best for me?
Hi, I have a couple of different mortgage products that have been offered to me by my broker, but not too sure which is the best to go for. I started looking to re-mortgage 6 weeks back and had both the abbey and halifax come and do valuations. The valuations differed a fair amount, with halifax putting me in the under 75%…
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re-mortgage question
i had a look through the mortgage comparison sites for a re-mortgage,the current value is £135000,and i have a balance of £26500 left,when i put my own details and income in i get to see mortgage offers that might be offered to me,when i put my partner and my details in,it says we are unable to offer you anything,i don't…
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When There's No Right or Wrong
Scenario- £86k Mortgage tied in at 5.1%, some of it slightly higher. ERC approx £1,500 to get out. Unsecured personal loan with £23k left, monthly payments £478. Overdrafts run up of £2,500 across two accounts and both over their limit. Monthly overspend of £400pm on an average income of £2,100pm approx and debts on the…
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mira shower
my mira power shower 415 seems to be less powerfull than it was a few weeks ago and ive not a clue as to why any help would be much apreciated
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Offset mortgage advice needed
I hope someone can help me. I have an offest tracker mortgage with the Woolwich (0.75% above the base rate) for about £130,000. Offset against this I've got about £35k. I'm wondering if at this particular time with the economy the way it is, would I be better using some of my savings to pay off part of my mortgage. I just…
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Coming To End Of Fixed Rate! What Now????
I'm finishing my fixed rate with Nationwide - the rate is 4.98% . Currently of course the variable rate is much lower at (I think) 3.5%, so it's all good, and with an £80K mortgage I think I'm saving around £100 a month. The question comes on whether I should allowing my payments to reduce or keep paying the same per month…
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Mortgage advice please, very confused!!!
Hi all, We bought our house 20 mths ago :o ( I know I know), any way we paid £186995 for it, realisticall I think we could get £160-165000 as we have improved it alot, and houses priced right here are selling, our mortgage is £139000. We would like to move to a slightly better area of town approx £200000- 220000 are house…
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Advice needed please
Hi, My 2 year fixed mortgage deal run out this Jan. I bought my house 2 years ago for 90000 & borrowed 75000 and was paying £420/month. I was struggling with the payments, but now that Alliance&Leicester moved me on a variable interest (currently 5.340%) my payment for Jan is even higher £465. Are there any better deals…
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Changing to repayment mortgage
I have had an endowment mortgage for just over 15 years. My current mortgage is with Bristol & West which is a capped rate and this is due to expire 31/05/2009. When i took it out it was 5.85% but with the previous cuts in interest rates is now only 2.9%. I took out an ISA a few years ago to try and make up some extra…
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Norwich Union Endowment Surrender - help!
Hi all. I've drafted a letter to surrender my endowment policy with Norwich Union but I just don't know if I should post it or keep the policy.... The policy is :- With Profits Started Dec 1997 Matures Dec 2022 Premium £101.82pm Value on Death : £57K Total regular bonus : £2101 I am not relying on this policy as I've…
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Advice wanted on fixed rate mortgage
Hi, I have just joined this forum and had a quick glance through so apologies that this is not the first of this kind. We have a mortgage with Nationwide, the loan is approx. £125K and the value of our home is approx. £225K. We have a mortgage term left of about 10 years but have been paying interest only for the last 4…
