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Mortgage line not answering calls - purposefully?
Spent 2 hours on hold today with Natwest trying to get my remortgage sorted out and had to give up as i was at work. 2 HOURS! Seems to be a ploy to screw people over if you ask me. Surely they cannot be this understaffed....phone systems do not even provide an indication of lead time. Maybe the sceptic in me is just coming…
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Lender wants 20% deposit because its a new build - help!!
Hi all, I've had offer accepted on a fantastic flat (significantly below asking), i have 10% deposit and can afford the monthly payments, brilliant credit score, no issues with anything. Found out today because its a brand new build the lender (Halifax) wants a 20% deposit!!! i cannot afford it, no matter how hard i try! I…
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Advantage Gold and Natwest Mortgage
On the net it says if you are a AG customer you can have reduced rates which arent on the website and save up to £500 on product fees. We are looking at the 10 yr fixed at 5.14%. Does anyone have an experience with an advantage gold discount. I dont yet have the account but thinking of opening one. Thanks
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Advice please! Frustrated!
Hello, We are coming to the end of our fixed rate. We have just sold our house and are in the process of it all going through. We rang London and Country as they were brilliant before but this time they didnt seem interested in helping us. We are looking to buy a house around 175k. We have at the moment a 10% deposit. So…
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Fixed Rate or Not
Currently we are on a SVR with nationwide(2.5%) when we came out of the fixed rate product in the beginning of 2009. We thought we were lucky as the rate was the lowest in the market and also nationwide was not givign it for anymore new customers. Now we are confused as everyone is recommending to go for a fixed rate.When…
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Deeds to house
Hiya We've just remortgaged with A&L. In the past we've remortgaged but we've never been sent the deeds etc to the house. This morning they arrived through the post...not recorded delivery just normal post. Should we have them??? Thanks in advance.
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abbey came up trumps
finally we got our offer, for all of you waiting for abbey, there is light at the end of the tunnel and you very quickly forget all the pain and frustration its caused you when you get that letter of confirmation, good luck to you all emma
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fixed rate mortgage
Please can anyone help? We took out a 10 year 5.58% fixed rate two years ago. We have a total of 13 years left on our mortgage (having had a mortgage since 1978 which we stupidly kept topping up). Approaching retirement age soon, has anyone any ideas, should we try and re-mortgage?
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credit checks for re mortgage
Hi, a few weeks ago my husband rang to see if he could get his credit limit on his credot card increased and he was turned down - credit limit is £8,500,credit card always paid on time in full and no other debts.We were told this would go on his credit history, we are now looking to remortgage, this this count against us?…
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New halifax 95% mortgage
I have a mortgage with Halifax and have done for 3 years. It's in pretty good shape and due to falling interest rates, we've been sensible and made overpayments. We'd consider ourselves pretty sensible borrowers and wouldnt bite off more than we could chew. Looking at Halifax's website, they have 95% mortgages for existing…
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Britannia products ending at close of play today
Hi, I'm a long time lurker but have broken my lurkiness to let you know that Britannia's mortgage products will be withdrawn from market at the end of today. I've just been told this by one of their mortgage advisors. Now I know there's no telling what they'll be replaced with, given the fact that other posters on here…
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Wrong information from Halifax - Please help!
last week i rang the bank and asked them that i wanted to reduce the term to 12 years instead of 21. Our fixed rate is due to end August 2011. I received a letter today stating the following: I refer to your recent instruction to reduce term.......... New monthly payment ........ Your account is on the following products:-…
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First Direct rates up
Damn, I was just ready to pick up my phone to book a 2.99% 2 years fixed rate (which I decided on yesterday) and just notice all their rate went up 0.5% today! Back to the spreadsheet!
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Northern Rock require Affordability check before you can Borrow back your own money
Has anybody else run in to this and found a way around it? Since the interest rates plummeted late last year I have been putting all my savings in to my Northern Rock mortgage as overpayments. By reducing the month interest payments this effectively gave me a savings rate of over 4% etc. When I started doing this in…
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have I got a unit-linked with profits policy?
I have something called the 'Investment 10-to-20 Plan' taken out in 1996 with Scottish Provident, now with Phoenix. Final maturity date is 2016. I would really appreciate some advice on a) what kind of scheme this is, and b) whether to surrender or hold on. It contains 15 policies, apparently, with the option to elect for…
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How long to fix for?
I'm taking Martin's advice and switching my variable to a fixed rate, but can't decide how long to fix for. My choices are 2 years at 4.39%, 3 years at 4.99% or 5 years at 5.49%. Any thoughts anyone?
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Remortgage - advice needed!
Hello all, Currently reaching the end of fixed rate mortgage (5.2 %) and hoping to remorgage property. Probable house value now is only £110,000. Owe £65,000 on mortgage, want to remortage for an extra £10,000. Have good credit history, no unsecured or secured debts- income approx £30,000 a year. Would I be able to…
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Absolutely beginner a few question hope to be answered.
Dear all, I am thinking of buying my first flat, and currently looking into something around 170k, my parents had promise me for around 80k-100k, and I am currently living with my partnet without having to pay any rent. I have a pretty bad credit history, but if I pay more than 50% deposite, will I be likey to be accepted?…
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A&L fixed rate
I agreed a fixed rate with A&L last Friday before rates went up - so I have agreed 4.89% until August 2014 with no arrangement fee. I am currently still on my previous banks SVR of 2.99% so want to delay completion as long as possible to benefit from this. I had been told over the phone that I do not need to complete for 4…
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What is the best mortgage deal to go for?
My son bought a flat in London 2 years ago. The fixed rate mortgage has come to an end and he is now paying a variable rate and saving almost £300 per month. He has asked my advice as to whether he should stick with this variable rate or seek another fixed rate mortgage. He has done some searching and has been told that it…
