Mortgages & endowments

Discussion List

• OneAccount "Review" Phone call

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• Consent to lease mortgages HALIFAX

  Hello, Does anyone know what the rates and fees are for Halifax's Consent to Lease Mortgages at the moment? Many thanks, Vic :confused:

• Valuation fee charged after lender withdrew offer

  Hi all, Hoping for some advice from you good people who probably have a lot of experience in this field. My situation is this, I applied for a mortgage through Lloyds TSB Scotland and paid the application fee of £99 and signed all the bits of paper, one of which included the statement, 'valuation fee, payable: upfront,…

• Legal or Not?

  Hi All Im emigrating to Oz next week and have been unable to sell my house. intend to rent it out and wait for the property market to make its mind. We have a mortgage with If, Now they do not allow Buy to Lets, and i am unable to get another Buy to Let Mortgage due to the property being close to neg equity. I have enough…

• A&L Mortgage Statement Calcs

  If you're an A&L customer and you're receiving your annual mortgage statement about now, make sure you check their calcs. In fifth year of a 5 year fix, annual interest calculation. I always calculate the interest to check they have the same figure and all has been well for the last few years/statements. Until today that…

• pay extra on mortgage or save for work?

  ok, may be the right place or not, unsure but.... We had a 95% mortgage, obviously not anymore. Well come march we on 0.99 + BOE. The extra we going to use to get the credit cards payed off 1st. But then (and I mite add this is VERY forward thinking) I have a choice. Ether overpay on the mortgage, OR put the money to one…

• How long to fix for?

  Me and my husband are buying our first house together and are having to use the 'Own Home' homebuy scheme whereby they will contribute between 20-40% of the house price which is effectively an equity loan. Although it's not ideal to have to use this scheme we have no other way of making it onto the property ladder. Using…

• Bradford and Bingley remortgage for first time buyer

  Hi, My boyfriend and i bought our house in August 2007 with a 100% mortgage of a £148K. We have been offered the option to move our mortgage now due to changes with the B & B. My question is will we be able to get another mortgage as we're not even sure we'll have any equity due to the decrease in house prices? I'm going…

• who do i write to?

  trying to sort out a missold endowment but am not sure if i write to the independant financial advisor, or the endowment company (Winterthur Life), to get things moving. any suggestions? cheers,G.:confused:

• Abbey officially warning us of their 90% LTV reviews

  Along with my reduction in mortgage payment notice I have also today received a letter pointing out the term and condition which lets them reduce my available funds if we have them unused and our home is considered to be greater than 90% LTV. Apparantly they do quarterly reviews and our next one will be February (not sure…

• Tracker Swap Incentives

  Has anyone been offered an incentive by their lender to switch their tracker mortgage for another product or even been bought out of their current deal? Do you know anyone who has? Thank you

• Mortgage porting - how does it work ?

  Hi we are in the early stages of moving home (our house on market & looking for new one) In moving we are upscaling from 140k property to £220k. Our mortgage is for £80k with a&l and is portable, we are not increasing the amount of the mortgage simply transfering it to new property. What do we need to do with regard to…

• Endowment surrender

  I have two standard life policies as below;in june 2008 the expected values were as below! 1; £35.22 per month Matures 15th June 2018 Plan at maturity might be worth; £14,500 at low rate; £17,000 at intermediate rate and £20,000 at high rate; Target amount is £22,500 This plan started in July 1997 2;£106.00 per month…

• FP Endownment

  Wondering if anyone can offer any decent advice. I took out a FP endownment in 1999 for my then mortgage of 40k , so been paying for nearly ten years at 66/month. It seems that it will fall short of the 40k (possibly by quite alot). However I have since moved and started paying a new repayment mortgage for the full 25yrs,…

• Linked addresses

  My mortgage application has been declined due to linked addresses. My credit file is clear of defaults and ccj's and i have a really good score and my partner has one deafult which is being removed at the moment. We have been asked to send in our credit file to show our own records as apparently they can see deafults at…

• Switching from interest only to repayment

  Does anyone know whether it is possible to switch from an interest only to a repayment mortgage during the initial fixed rate term? (preferably without paying a penalty). The mortgage is with Alliance & Leicester if this makes any difference.

• morgage plus products

  We took out a morgage plus product which comes to an end in september. we are in negative equity and have been told by the lender unless we can pay a lump sum they wont offer us a new deal. has this happened to anyone else and what did it mean in money terms. ie how much did payments go up. things are already very tight…

• This can't be right

  Hi all First timer, so please be kind! Have mortgage with Kensington ( probs getting good rate mortgage following divorce) for £110K. have switched to interest only in the meantime. Interest rate they are charging me is 7.25%!! on enquiry- they say that they do not follow bank of england rates - they follow "libor rate" -…

• Remortgage

  Hi all. We currently have a 45k mortgage on our house which is 'worth' £110,000. We are looking ot borrow a further ten grand for a few improvements (can't afford to move but need a little more space). With our current lender we are on the svr of 3.99% but if we want to borrow through them it goes as a seperate loan (and…

• Mortgage Help for recently widowed

  Hi Im hoping to get some advice please. My dad has recently passed away and has left my Mum in an almighty financial mess. My dad looked after all the finiancial side of things and to say he was not very good is understatement. He told my Mum that if anything happened to him she would be ok. Well, sadly this time has come…