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Mortgage Mis-selling
Hi all Not sure if this is in the right section but I'm looking for some advice on a re-mortgage we took out almost 3 years ago with a broker Brightside mortgages. Been having a long hard think about their service and I feel that they pressured us and didnt necessarily sell us the right product. Promising us that they…
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Winterthur Mortgage endowment dilemma
Can anybody help with dilemma concerning Winterthur conventional with profits policy. We have a policy due to mature on the 1st april 2010 for what was supposed to be 17k. Winterthur have agreed that endowment was not our best option and have agreed to either pay redress of Ł4239.26 and keep policy going until maturity…
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A&L: new 3 year re-mortgage deal
I have been looking at A&L's latest deals and noticed the 3 Year Fixed Remortgage Only (Max 70% LTV). The details of it are as below: The Product fee for this mortgage is 1% of the total loan amount Remortgage customers receive a free valuation (refunded on completion) and £200 cashback or our Mortgage Transfer…
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Which lenders are easier to get mortgages with?
Hi, My wife and I need to get a mortgage in principle to proceed with our offer on a house. I have found mortgage products from the following lenders which suit our requirements... (5 year fixed, 75% ltv) RBS Halifax HSBC Does anyone know which of these are going to be the more relaxed lenders? We have had a AIP declined…
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please help
can someone please help settle this for me and my husband our 2 year fixed rate is up soon we have been offered another 2 year fixed rate he seems to think there is a fee involved but i said no anyone help also can i go on a fixed rate every 2 years without it costing me
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Property Auction
Hi All, We have found a property that is coming to Auction mid-June. We really like the house and want to go and make bid. Our situation is that we sold our house in Deecember and have been renting since then. The property guide price is £400K - 450K, we have a deposit of between £110K-120K. I am self employed (director of…
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Am I missing something?
Hi all, My girlfriend and I are first time buyers and have just had an offer accepted on a 2 bed for 219k. We're in good position with a 40% deposit and a combined income of 48k a year. We're expecting our first child so it is very important for us to keep payments low and known inititially (but repayment- we're not…
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Paying 5.5% now - good time to re-fix?
Hello, can anyone help? We're on a 2 year fixed rate of 5.5% which will come to an end in December, with a £160k loan and a low LTV. We've managed to completely miss out on the recent low rates and are wondering what to do next. Our lender is giving us the option to re-fix now (instead of waiting until December), with no…
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Advice on lending amount based on salary multiples
Hi I have an existing fixed term 5.5% product deal ending in the next few months and have been looking at options to fix and remortgage rather than drop onto the lenders svr at 4.5%. The outstanding loan amount will be around £200k with 20 years left to run and I have just over 25% equity in the property based on a…
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first time buyer panic
hi we are first time buyers trying to follow the right advice. We have set the ball in motion to get a mortgage sorted - we have an 11% deposit and earning a joint income of around 50k. we have seen a lender who has determined the right mortgage deal and we have tried to instigate a mortgage in principle today. We have…
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Remortgage Advice- Please
Hi, this is only my second post so please go easy on me. We have a mortgage with northern rock which is due to go on the svr from next month(no big deal providing that ir's dont rise significantly). House is worth between 200-210k- mortgage is for 140k. we want to see if we can get a better deal or at least fixed to give…
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Any good 10 year, or longer, fixed deals for 75% LTV?
This is all new to me, we are looking at buying our first property. We are very risk averse, so would be looking for a long-term fixed deal. Anyone know of any good deals, and are there any downsides to fixing for so long (apart from of course if interest rates stay low!). Any advice for a novice very much appreciated.…
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Reduced income
I have just been informed by my ex, that due to his debts and having to pay me every month, in August, he won't have any money in the bank to send me, so I won't be able to pay the mortgage on the house that is in joint names and which I am trying to sell, but failing. Would I be eligable for any of the goverment aides…
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Endowment shortfall help ??????
I currently have 2 endowments which are going to finish in 6 years One endowment is for £19500 and the other is for £5200 Over the years i have had to increase them (top them up) three times. Now the Endowment company wants me to top them up again. Endowment One which should make £19000 is only at £10920 Endowment Two…
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Natwest 5 year fixed FTB 5.99 decision in principle!
Hi there, I've a decision in principle meeting with Natwest on Tuesday. My credit history is crystal when it was last checked around March when Lloyds TSB did a mortgage credit check and I passed it without a hitch. What I'm thinking about is the HLC. I have read Natwest rate details and in small print in mentions HLC will…
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fix or stick with tracker
Many people are now saying fix your mortgage. However with a tracker 0.23 above base i am thinking best to stick with this...even if interest rates rise to 4.5% then my tracker will still only be 4.73% still below most fixed rates at the moment...plus i have a 148000 mortgage on a 180000-185000 house
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Mortgage Offer Conditions credit cards and personal loan to be settled - HELP
Hi We have our mortgage offer through - phew. However some of our o/s credit cards and 2 personal loan accounts are listed in the mortgage offer advising; Before you take out the mortgage, you must pay off all the money you owe to: TSB under account nu. xxxx Mbna under account number xxxx First account number xxxx amex…
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best deal 65% LTV allowing overpayments and no early exit fee after 2 years ...
well the subject says most of it we sold out houses a while back, went travelling and are now looking to buy have around a 40% deposit - will be looking to buy something around£400K and we have the income to support payments. looking for a good deal which allows overpayments and at least after 2 years would allow a clean…
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is this a good deal
hi i have been offered this fixed rate deal i have a mortgae of 45000 house valued at 85000 no set up fees bear in mind if we move we would have a couple of thousand early re payment fees and good chance set up fees at other end so here goes 4.59% 2 year fixed 307.00 per month thanks
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joint mortgage/house help
hi i am currently looking to buy a house with my partner but due to my bad credit i believe we will struggle to get a mortgage with me applying with her. i was wondering if it was possible to have to property in joint names but the mortgage just in my partners. ofcourse everything would be split 50/50 but i just want my…
