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Offset Dialema
Hi all, I am new at this as i have just joined but hoping that i can help out when the time comes. My query today is that i am tied into a repayment fixed mortgage with the Nationwide for another 3 years at a rate that now is awful. I have a tidy lumpsum in another account which is not earning me much at all and i am…
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transfer of equity best option?
hi I am doing a transfer of equity onto my own name as my ex has re married and doesn't want anything to do with property because she saved her own money while i paid the mortgage. I applied to my bank to do the transfer onto my name and they have added a couple of thousands pounds to the remaining mortgage is that normal…
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Mortgage Advice
I am currently paying an interest only fixed rate mortgage of 5.87% on around £71,000 My monthly payments are £350 This deal ends in September 09 HSBC have offered me a lifetime tracker @ 2.24% above the Bank of England base rate. The cost is £999 of which I would add £900 to the loan. Given this my new monthly payment…
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Mortgage Approval Advice - likely with debt?
Hi... Been a lurker on here for a while and never really posted much but was hopeful of some mortgage advice. The situation is as follows. We are based in Scotland and have been renting for a while, mainly due to the prices of what we would like to buy. My girlfriend and I would now like to buy somewhere but I personally…
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Pushey mortgage advisor in E/A shop
A friend of mine is in the process of buying a house, they started the process of sorting a mortgage with the EA man in the shop. after a while they had some problems with the application (a phantom debt which affected the re payment amount) so they looked around and found a better deal. Now when they told the EA man, he…
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transfer of title deed
I wonder whether anyone can help. My daughter put her house up for sale last year and did get a buyer . On the back of that she put down a deposit on a new house and proceeded with the purchase only to have her buyer drop out of the sale, As the new house was just what she was looking for my my husband and I in the end…
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82% LTV - Any advice on a fixed rate please
As the title says I have 82% LTV, property value 170, remaining mortgage 140. Can anyone recommend any one doing good deals that would suit me at the moment? Thanks.
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Lloyds deals
I have heard from someone who works for Lloyds that the rates are going up on friday. h x
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Cheap right now!
We have a great deal right now- 0.5% above base, so enjoying a great payment holiday. Should we go for a fix now, or wait and save some more money, as we are doing at present? Love to hear your expert advice guys!
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Advice on remortgage deal needed
My mortgage is up for renewal and I've decided I want a 5 year fixed rate deal and heres what I've secured £100000 @ 4.59% for 5 years with A&L Overpayment facilities of £4.99 per month and 10% anually Product fee of £399 - No other fee's as I'm an existing a&l customer Is this a good deal? Thanks in advance Webmister22
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I think my mortgage was rejected because of searches by car insurance
Could I be right? I was told I had more than 6 searches over the past 6 months when I was turned down for a mortgage. I have requested and am still waiting for my experian report, but I have come to the conclusion that searching for the best deal for car insurance using more than one comparison website has b*ggered up my…
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Current best fixed 85 % LTV
My girlfriend and I have seen a 5 year natwest 5.49% fixed 85% LTV and so far this seems like the best option, I have searched the comparison websites and can't find anything better. I would love to know if anybody else knows any better options? we would want a long term fixed and can go 15% deposit max. Thank you in…
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re-mortgage dmp
hi i come off a fixed rate mortgage next year with ge money, the rate we will be paying is 2.5% above barclays base rate. anyway we have just started a dmp and were wondering if we stayed with ge money and got on another fixed rate do they credit check you again. also around how much higher are the rates for people in my…
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RBS v Halifax and a couple of other dilemmas!!
Hi, got a fixed with the halifax until 1st of Nov. Our house has been on the market for 18 months. I need to fix below 5% ideally for 5 years as when we move eventually we need a much bigger mortgage. Redemption penalty of £1,100 for ending now. Halifax have 5 yr deal of 4.79% fee £999 + redemption penalty on top.…
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Mortgage help.
Right guys, and advice will be much appriciated. About 7 weeks ago i returned home from working overseas to find that my long term partner had moved out. We got a mortgage just over 2 years ago which was interest only, We were in the process of changing over to repayment but currently still interest only. So the mortgage…
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How does sick leav follwed by mat leave affect an application?
Well, following on from my previous post about trying to port our mortgage with Nationwide they have admitted we have been misled and misadvised by several of their staff and have now agreed to look again at our joint application. We currently have a mortgage for £232k. Hubby & I earn £100k between us, £50k each. We want…
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dont know what to do!
Hi new to this.Last year I remortgaged my home through a broker to consolidate my credit cards.My financial position at the time was quite dire and was happy when they told me they could consolidate everything and clear me of credit card debts. Half way through the process i was told that the amount of money raised would…
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5% gifted deposit from vendor
ANyone know which lenders will accept a 5% gifted deposit from the vendor?
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Anyone know how to work out this percentage difference please?
Hi all, can anyone tell me how to work out which of the following is the best deal for a re-mortgage i've been offered from A+L. Its for a 5yr fix on an 18yrs 9 month mortgage for £56865: 4.99% - £499 fee - the repayments for this deal would be £394.11 with the fee added or i could pay the fee upfront but they said the…
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2 yrs fixed?
just coming to end of fixed rate with natwest, was paying £827 pm, want to stay with them as I'm self employeed and its so much less hassel, have been offered a 2yr fixed at 3.49% £653pm including £699 fee added in or 5yrs at 4.69% £199 fee added in comes to £748 pm. husband wants to do 2yrs I think 5yrs. Either way we…
