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General Question
Having paid off mortgage by maturing endowment policy how long should it take before surplus is credited back to me.......26/4 paid to BS still no chq with difference
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Fixed re tracker
My son - first time buyer - has come to me for some advice and I don't feel knowledgeable enough to help him. The question is Fixed v Tracker (which I know from trawling thru the forum has been asked many, many times before.) He's been offered two deals: 1. A two year Fixed Rate of 5.99% 2. A 3 year Tracker, at a variable…
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3 year or 5 year fixed rate?! Any advice?
I know it's impossible to make a call on interest rates long term.....but anyone have an idea of whether a 3 year fixed rate mortgage at 4.09% or a 5 year fixed rate at 4.59% is a winner?? They both sound attractive deals....if rates go up and stay up for a long time, then obviously the 5 year deal is great to be tied…
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mortgage or short term loan
Hi - We're looking to downsize ourhouse. We are currently mortgage free but if we have to wait to sell our house, we could lose one that we've seen. Is it better to get a mortgage and pay it off when our house sells or a short term loan from a bank and then pay that off? Our house is valued at £320 000 and we are looking…
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Ftb - BTL?
Hi everyone, I'm thinking of buying a property for the first time, I'm 27 earning £32,000 p/a take home £1,700 per month after season ticket loan and deduction of fees for part-time studies. I live with my parents and was thinking of renting the property out, At the moment I'm not sure if this would be long term or just…
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I do believe they're trying to get rid of me!
:D I have a BTL mortgage and the fixed rate deal is up in June, reverting to 2.19% above LIBOR. Anyway we've looked around, taken IFA and it seems the best thing for us to do is sit tight. Not surprisingly the BTL mortgage market is somewhat limited these days! Our position is good- we've had the same tenant for over 4…
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RBS Mortgage - how long
Has any one recently got a Mortgage through RBS? How long did it take for them to book a survey & valuation from first being given an offer in principle? Any information is much appreciated
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norwich union reattribution
How can Norwich Union predict a shortfall on mortgage endowment when they are taking a vote on how to deal with surplus money in their with profits fund.
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TMB - no products on offer - help???
I have come to the end of my deal with 'The Mortgage Business' and am being put back on their standard rate (4.840 %). This means an increase of £550 month. The problem is they were bought out by Birmingham Midshires (which is owned by the bank of Scotland!) and they are not offering any other rates. I called Birmingham…
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Abbey - Which Credit Ref Agencies do they use?
Hi folks, I've just had a mortgage knocked back by the abbey due to a default registered 6 months ago, however i can find no record of this.. I have the experian and equifax reports in front of me and they are mint for the last three years.... Who else could they use?
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Nationwide Mortgage arrears help please
Hi I currently have a tracker mortgage with the Nationwide, last week I received a letter from them telling me I was in arrears on my repayments. This was a total suprise for me, I rang my bank and they said that my mortgage payments had been met for the last six months. When I called the nationwide re this they informed…
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End of Mortgage Express fixed term deal...What next?
Hi, Advice/Help needed here please...... My mortgage with Mortgage Expresses 2 years fixed term deal started in June 2007 and hopefully the payment they took this month (May 09) is the last of fixed rate. I can't move to anywhere else for good deals coz my down payment was around 10%... I have been paying more or less…
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endowment claim
i tried to claim for a missold endowment with my mortgage but was refused on the grounds i left too long between letters(think it was 2 months but not sure).Is there any way i can get my money back as the advisor told me i can only try to claim once
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Property repossessions up 50%
This thread is to dusciss the following news story: Property repossessions up 50%
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help needed and advice new to mortage etc
Hi all would like some help and advice really me and my partner are interested in a house thats came up for sale next door to where we live its a repossion dont know if that makes a difference but im just stating all i know. its a lovely house absolutely no work is needed to it and we were wondering what chance if any that…
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Urgent help needed!! Non-refundable booking fee...
I would be ever so grateful for some advice to a recent problem i have! My financial advisor sourced an attractive remortgage deal for me with a certain provider. I had done some research myself on-line and couldn't find a better deal/rate so i went with his suggestion. He got me to sign the application forms and took the…
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Moving in together - mortgage arrangements
My girlfriend and I are buying a house together and I would like some advice on how we set up the sharing of mortgage payments. Simply: House purchase price is £156k Girlfriend is putting in £78k from the sale of her old house I have applied for a mortgage for the other £78k based purely on my income. However, the total…
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Urgent please-Anyone got a contact at NatWest Mortgage Centre?
Hi everyone, We need to speak to someone at NatWest Mortgage Centre in Birmingham, who can get a standard letter out for our daughter and son in law URGENTLY. She has spoken to Customer Services but they are not looking like they will move very quickly. Just wondered if anyone could give any help or information. many thanks
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Do i have to be named on the mortgage?
Hi, been a keen reader of these forums for a while now but i'm come across a question that I can 't seem to find an answer to. My girlfriend is trying to buy a house for us. We've had a mortgage agreed in principle, found a house and had an offer accepted on the house. I have an IVA but my gf has a really good credit…
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4.69% Natwest - going up or down?
Hi, Does anyone know if the 5 year remortgage fix at Natwest has recently been higher or lower than the current 4.69% 75% LTV? Our current deal ends in September and we're weighing up whether to rush into booking now in case this deal gets pulled like the sub 4% 60% LTV deals at Abbey etc. Also does Natwest allow you to…
