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Mortgages & endowments
Archives for January 2009
Discussion List
Final Bonus on Endowments
Hi, Does anyone know of what final bonuses are being paid at the moment by Standard life. Thanks David
Britannia giving me the runaround- is this normal?
Im in the middle of taking out a mortgage with Britannia BS. Ive had an offer accepted on the new house, with a move in date 23rd Jan. Ive sent the signed application to Britannia with the documents they asked for (a savings account statement showing the deposit which is 50k) They called me yesterday to say that they rec'd…
Sorry for the dumb question
Hi there!!! Sorry for this question- I am normaly quite good with money products particualry saving and deals etc......................... But I am quite a novice with Mortgages - Hopefully this can be answered simply by those with greater knowledge and experience than me. Ok - I took out my 1st Mortgage some time back and…
HSBC variable rate rip-off
In November I paid HSBC a whopping £2499 to 'purchase' a 2 year mortgage which had a discount of 1.26% off their variable rate of 6.25%. As we all know, the BoE rate has since fallen by 2.5% - HSBC have dropped their standard variable rate by a total of 1.81%, leaving it at 4.44%. HOWEVER, they have now disconnected my…
Mortgage holiday
my in laws are thinking of taking a mortgage holiday because one of them as been made laid off, as the goverment made all mortgage companies offer so called morgage holidays? i think they are only looking to this this for 6 months just while he finds another job. is this a good idea and has one one done this on this forum…
Endowment Policy - transfer the life assurance component?
Hi Everyone. I was wondering whether it is possible to convert the life insurance component of a low cost endowment (unit trusts) to the main lump sum investment. :rolleyes: Excuse the pun, but if your mortgage liability reduces surely the life insurance component becomes 'dead money' :rotfl: because the aim is to pay off…
Need to remortgage.....but don't understand?!?
Hi all, We currently have a fixed deal mortgage with Northern Rock which comes to an end in Feb and they have sent us a letter to advise that they won't be able to offer a better deal and we will be better off looking elsewhere.... So today I thought I would start researching it... Bought the house in 2007 @ £114,000 After…
Suspended posession order
I recently went to court for possesion of my property for arrears that were on it. Ther judge granted a suspended possesion order provided i pay my mortgage £371 per month plus £110 arrears. The money was susposed top come out of my bank account today the 1st. I have it in the bank but rooftop mortgages have not sent me a…
Change my buy to let mortgage
I know it's a long way off but i was just wanting a little advice really. At the moment i have a fixed rate mortgage which is buy to let and runs out in October 2009. I think i was advised wrong because this is the only property i own and rent it out at the moment.They put my Mortgage up by £60 per month because it's buy…
remortgage
fixed rate about to end, have 60,000 outstanding on split of 30,000 endowment (worth 9,000) which is seriously under performing and 30,000 onrepayment,looking for some direction / advice on setting next mortgage which starts on april 1 2009:confused: 1 property worth 2000,000 2 no plans to move 3 best price and no…
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