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endowment plan
Is now a good time too sell an endowment plan to the second hand policy market, my surrender value looks relatively healthy, can anyone offer an opinion please thanks - zebwa
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Mortgage Questions
I am in need of advice, I brought my house in Nov 08 for 130k, was valued at 160k at the time got a good deal as rented for 5 years off private landlord. Due to financial history and as this was my first mortgage we pay a fixed rate of 6.45% for 2 years then on to variable which atm is 4.1%, we can pay the fixed rate but…
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Missed mortgage payments
Hi, Is it possible for me to get a new 90% mortgage for a house I'm looking to buy ( my house is currently under offer ) even though I have 2 missed mortgage payments recently - which have now both been paid and I'm back on track? An advisor told me today that I will have to rent and look to buy again in 12 months time. Is…
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govt help for mortgages whilst claimining dla & ib
hi my husband suffered a mental breakdown over 2 years ago, he lost his job, he was the main earner. since then we have coped on my salary, we have taken 2 payment holidays on our mortgage - the last one is just about to end. we have survived on our credit cards, which are now full. my husband is now much better but…
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First Direct Offset Mortgage...Good company to deal with or not.
Just been advised that First Direct are doing a very good off set base rate tracker. Has anybody had any dealing with this company. Is there anything to watch out for with an offset mortgage. Thanks
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Is there any hope?
I am currently with Northern Rock and have a 200K mortgage. The mortgage is coming to the end of its fixed rate in June. The house is probably worth the same as the mortgage now. I am hoping to sell the house and break even then buy another. Is it worth trying to port the mortgage or do you think NR will be against this?
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Has anyone found a fixed mortgage at less than 4% recently?
Has anyone found a fixed mortgage at less than 4% recently?
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Should I pay £6000 to get out of my 5.99% Mortgage?
Sorry should have worded the title slightly differently! Should I take out a loan... Do you think it is worth my while taking out a loan to pay an exit fee of £6000 to get out of my fixed rate (5.99%) mortgage when I still have 4 years to go on this rate? I still have 24 years left on my mortgage, so dropping down to even…
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Whats the best thing to do ???????
HI all I'm going to be in a sticky situation in just over years time when my mortgage rate will rise after my three year fixed rate ends. I was one of the lucky last few who got a 100% interest only mortgage and I'm now starting to get the jitters as most mortgage products are only giving the maximum of 90% at present. Is…
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Just a bit of advice for down the line please....
Hello, Just a bit of advice as to what best/likely to plan for....scenario is.... OH - no debts, approx £35K savings through inheritance etc, salary approx £30K per year, plus regular overtime ME - huge debts (£54K) - on dmp and earn £32K per year We currently rent and want to think about buying house but in current…
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Halifax Variable Rate 2 mortgage
Is there anyone else out there who is on the Halifax Variable Rate 2 for there mortgage? If there is, did you know dispite the halifax informing the BBC news and ITV news that they were passing on the lastest rate cut of 0.5 to halifax variable rate customers, they are not, only to variable rate 1 customers not variable…
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reposession of deceased's house
The mother of an aquaintance died last year. She was housebound in the year before her death due to illness. The executors were surprised to find that she had a obtained a secured loan a few months before she died. The house is being marketed but the secured loan company have now applied for a repossession order. Are there…
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What is the best tracker on the market......
Hello, Can somebody let me know the best tracker on the market at the moment. My Property value £170000 Mortagase required £75000. Excellient credit. Many thanks
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can you help ?
not sure i'm in the right section (sorry if i am not) ok my brother has lived in his house 22 years, he was with ex for 3 years her name was put onto the mortgage ... she left him for another guy. after 2 years of being apart she is askin that her name comes of the mortgage... does my brother have to 1, re-apply for…
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Do all mortgage run jan-dec or run like a tax year?
Hi. I wonder if some one could answer a question please. Could some one please please tell if mortgages run from Jan-Dec or do they run Apr-APr or does it depend on when mortgage commenced? Thank you so much.
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Are there any 85% mortgages about?
We have just been to HSBC as we want to move. They will only do 75% ...which although if we were lucky would get the deposit for this in the sale..it would be pushing it....they dont do %85 which would be ideal for us...however a 90% mortgage has a £1000 fee (which cant go onto your mortgage) and the rate is just under 7%…
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What is an audit valuation?
We've applied for a mortgage and been told that the lender will perform an audit valuation..what's one of those?
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Mortgage advice
I have a mortgage over 30years, im 1 and a half years into the mortgage. its a 5 year fixed rate of 5.96% i have just recieved a payout of 45,000£ and i want to put this money into my mortgage and reduce my payment period. What is the best way to do this? it will cost me just over £4,000 to buy out my mortgage. thanx…
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fees added to mortgage?
hi when the fees get added to the mortgage loan, your charged interest on it, can someone adv if this is already included in my monthly payments? or do i have to pay it when i pay off the mortgage or remortgage to another lender? ie. i borrowed 141k with 1k added to the loan (2 yr fix @ 5.75% apprx) if i go to another…
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Tenants in Common - Obtaining a mortgage
My Sister, Brother & I joint own our parents house after their deaths. My Brother & Sister live in the house (which has no outstanding mortgage) and I have my own property. My Sister wants to get a small mortgage to consolidate some debts, but the mortgage company have said that my Brother & I will have to sign over our…
