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Mortgages & endowments

Archives for May 2009

mortgage offer
I have a mortgage on a five year fixed rate of 4.54%. The rate lasts till nov 2010, but my mortgage company has just written offering to fix for a further 5 years till 2014 at no cost whatsoever is this the best option ?
Endowment question
I split from partner after sixteen years,the house we lived in belonged to my partner but i was and still am named on the endowment policy & still receive letters from building society am i entitled to any money from the policy when it pays out????.
Trying to get out of a joint mortgage
Help, really need some advice Two years ago me and a friend decided to buy a flat together for £200,000 for which we both put £5000 in as a deposit. I have now decided that I would like end our joint mortgage and move in with my boyfriend. We had the property valued and unfortunately the flat has lost value and is now…
Some advice needed as I really do not know what to do =(
Hi everyone, I do not use this site as often as I should, but turn to this site and its members in the hope that someone could provide some general advice. My apologies in advance for the length of this message, but it is sometimes easier to post such messages without having to speak to someone face to face about it. I…
Porting (nationwide)
Hi Everyone hope you guys may have some information. We are currently with Nationwide and are looking at porting our mortgage across to our new property, our new property is 30,000 more than our one we have just sold but we do not need any extra capital from Nationwide. I married my wife in 2007 but we never changed her…
Switching from Repayment to Intrest Only - NR
We took a 3 year fixed rate mortgage which is due to end 1st of July. We have been paying intrest + repayment fixed rate of 6.49%. Our house is in negative equity. I called Nothern Rock to find out if we can switch to Intrest Only when the deal ends. They told me we can only switch to intrest only for a maximum of 1 year…
MPPI Legal and General - cover more than doubling
Legal and General's MPPI cover is coming up for renewal and I've been quoted £47 in lieu of my current £21 per month premium to cover up to £750 mortgage payment. Without making a fuss of the whys etc, which are arguably fairly obvious, could anyone recommend a company which isn't trying to take advantage of the current…
Question - Help Needed
Please forgive me if this is a really silly question - i know pretty much diddly squat about mortgages! We recently (7 months ago) bought our new house and signed a mortgage with the Nationwide we have a fixed rate for 5 years at 6.58%, unfortunatley due to the 'credit crunch' both my husband and myself have had changes at…
Best mortgage deals - FTB
Greetings, I'm a first time buyer with 10% deposit. what are the best mortgage deals avalibale for FTB. All comments very much appreciated! cheers Ivan
getting a mortgage with a charge attached to ex husband
I have just been informed by my bank that they won't offer me a remortgage if I have a 20% charge attached to the property in favour of my ex husband. Is this going to be a problem with all lenders?
No Income - Is it possible to get a mortgage?
Hi, This is a silly question I know, as I type it sounds even more ridiculous, but is it possible to obtain a mortgage if you require a low LTV and have no income? I assume this is a straight forward 'No', however I will post my current situation and would appreciate any . I have recently been made redundant and currently…
Help Needed! C&G SVR
Hi, my current 5 year deal at 5.49 with C&G has now finished and we are on the SVR of 2.5%. Obviously, our monthly payments have dropped considerably! I am looking to buy my dads house and to do this need to borrow an additional 30k which C&G have confirmed that they are happy to lend me. I had initally planned on keeping…
Morgage offer subject to.....
hi guys nat west offered us a commercial mortgage subject to; seeing orriginal documents which is no problem however are they likley to do further checks, not that i am hiding anything its just time that is the issue!
Convert current place buy to let and buy new home
I am earning 60K per year in a permanent contract and my job is going fine. I bought a flat last July for 150K(with my 10% deposit) and am paying mortgage on that at 5.99% with Halifax which ends in Apr 2010 when mortgage moves to SVR. My plan was to live in this flat for a while and then convert to buy to let since its…
Advice on Lifetime tracker
Hi, have made myself dizzy reading all the various threads on here! Our fixed rate of 6.19% ends next month. We have been offered 3.99% fixed for 2 years which doesnt really tempt me. Our house is worth about £180k and our mortgage is £45k. We have no plans to move, ever! If we do nothing we go on a Lifetime Tracker of…
Mortgage/Savings
Hello, been reading this site for quite a while and it has really helped me. The question i'm asking, as i'm not too clued up with these things is how do we go about overpaying our mortgage? We are currently on a 40 year fixed rate at 6.1% and end up having quite a few quid left at the end of the month which i'd rather put…
HSBC rejected mortgage as not using its current account
I might have done biggest mistake of my life. I got current account with HSBC, which i dont use at all. Its just inactive. £100 in this account from last 3 years and no incoming and no outgoing... I have got account with another bank which is my primary account and all pay goes in this account and all bills come out from…
Natwest Mortgage L&G Survey online
I have recently applied for a Natwest Mortgage and they did the survey through L&G Survey services. I have been getting text messages to keep me posted [which is good] but I got a text from "Quest" saying my survey was ready to view. The Natwest Mortgage helpline know that a text services has been started but nobody in the…
3% no fix OR fixed at 6%?
hi guys this is a straight question, i have an option of going 3% with nat west on commercial mortgage for above base rate or go for a 6% fixed for 5 years. there both repayment for 120000 on a 220000k commercial property, which one would you go for and why? any ideas as to pros an cons, nobody knows what the rates will be…
When do I sign my mortgage offer?
Received my mortgage offer this morning - yay! - and am buying a new build scheduled for completion in 4 months. Do I have to sign the mortgage offer before we exchange contracts (this week hopefully), or can I sign it at any point before it expires? We want to be flexible enough to apply for a better poducr if one comes…

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