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Missed endowment payment and cant catch up
HI I have an endowment with Prudential paying £213 pm for a £53,000 paypout in 3 years time, I missed 3 payments and when I sent a cheque for 2 of the payments it was returned to me stating I have to pay all the outstanding payment up front, this has now escallated into 9 missed payments as I cannot make part payment, I…
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Remortgaging or stay put?
My partner has a mortgage that recently came off the fixed rate and we were considering remortgaging to another fixed rate - and adding me to the mortgage. We procrastinated between deals..and then everything went pearshapped economy wise and interest rates started dropping. He/we are now currently on the SVR of 2.5% and…
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Is www.money.co.uk good? - Halifax 95% LTV
I have found this site and they are listing Halifax mortgages for 95% LTV for 3.95%. Seems to good to be true and nothing like this on the Halifax site? Just checking really if anyone else seen this Thanks
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First-time buyer help
I'm a first-time buyer, looking to arrange a mortgage on a 3-bed terraced house, on the market for £65K. I have a 5% deposit (just over £3K). I'm wondering two things: 1) If there are any competitive 95% deals on the market at the moment (I've tried Clydesdale Bank, but their 95% deal can only be arranged face-to-face…
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Should I Overpay my Mortgage?
Hi, Just wondering people's opinions on savings and mortgages. As interest rates are so low for savers at the moment, would it be better to overpay my mortgage by £499/month, than to have savings earning 1%? Thanks, Tom
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repayment v endowment ?
I have a mortgage with scottish widows tracker 0.34 % above BER for 2 yrs then 0.99% for rest of term it is split £26K repayment £36K interest only .I have a friends provident endowment policy[100% with profits] with £50 k life insurance the policy runs for another 13 yrs currently worth £13k middle forecast is maturing…
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new mortgage or remortgage
Hi,I have seen a cottage i want to buy in an auction in 2 weeks guide 130,000 to 160,000 our present 180,000 house is paid for and we have 30,000 savings it would be how should i finnance this ,nationwide offered me a 103,000 mortgage fixed 2 yrs 4.99 but cant pay this quicker if we sold our present house before we have no…
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BTL Mortgages?
Hi can anyone give me a couple, of name of companies that do "fair" buy to let mortgages. I was told Nationwide but infact they dont seem to do so.... Thank G
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Britannia BS - moving out and want to rent hte property out
My girlfriend is 10 months into a fixed rate deal with the Britannia BS. We have decided to rent her property out to rent a different place together.* Does anyone know what Britannias current policy is for 'non intentional Buy to letters' is please? * Does the reason for the move need to be 'relocating due work' etc * Do…
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Taking out a shared equity mortgage
We are urrently looking into taking out a shared equity mortgage which means we will have to buy 25% of the property from the house builder at some point over the next 10 years or at the end of the ten years. Now we realise that house prices are likely to rise over this period so it's unikely we would be able to buy the…
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mortgage advise required please
:confused: we currently have a mortgage of £75,000 on a tracker mortgage trcking .29% abovee the base rate meaning we pay interest curently at 1.79% ove 6 years, paying capital in interest montly payments of £1377 per month we have been advised by a financial adviseor to change this mortage to an interest only mortage so…
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Wisdom of 5YR Fixed at 4.99%!?
Hi There I am about to remortgage - currently on 4.99%. It would be very nice to have a drop in mortgage payments, but I am very tempted to go for the Abbey 4.99% fixed over 5 years deal (Product K342R.) Abbey Mortages My reasons are: a) 4.99% is a historically low rate b) there are apparently no booking fees c) fixing it…
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Short Term Mortgage or Loan What's best?
My Mum has had an offer excepted on a £145,000 bungalow. She is £20,000 short, but she has fixed bonds that mature in Nov of this year, that would cover an interest only mortgage. Can anyone help with advice on a short term (1 Year) mortgage or a great personel loan rate? Thanks Andy:huh:
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anyone ported an abbey mortgage?
We moved into our house 6 months ago and we would like to move again. We took out an abbey mortgage on 15% deposit as we could use fast track. Assuming the new property is cheaper and the LTV stays the same, what exactly is the proceedure for porting the mortgage, do i have to go through the application process again?
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A&L "instant" property valuation - Halifax house price calculator
Hi all A&L told me on the phone today that we currently have a 78% ltv on our house. apparently they work out property values using the halifax house price calculator. this gave me a shock as the online version of the halifax house price calculator gives me a house price (for 2008q4) which equates to an ltv of 70%. their…
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selling house if split from partner
HI, I was wondering if anyone had any advice please. I own a house with my partner. We bought the house 5 years ago and it's in both of our names. We have a 3 year old child together and I have a 12 year old from a previous relationship. I am desperately unhappy in the relationship and feel we are only together because of…
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Out of time endowment
Hi Can anyone help? We are now out of time on our endowments. We wrote to the actual company in the finish. They won't do anything as they say our time is up. After trawing through the paperwork we found where they had put the final date. Which was earlier than the htree years we've been told about, but now we are past…
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Grovelling Bankers
Do you think that todays apologies and denouncing of the bonus system by the heads of the banks will signal the start of reasonable lending once again?
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Secured loan on NR mortgage
I am probably asking a really stupid question and sure i know the answer but thought I would check with you guys Currently have a 150k mortgage with NR and 2 secured loans totalling 50k, problem is think I now have little to no equity due to the current climate. My fixed deal runs out in August this year. My question is…
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Credit Rating Poor Cos I've Moved?
Hi, I'm posting on this forum as I'd only need credit to get a mortgage, hope thats ok. My experian credit score is "Poor". I have no debts, No credit cards, several bank accounts etc. Martins Credit Checker thingy gives me "excellent". On experian you can use a tool that allows you to predict what your score will be in 6…
