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Aviva Reattribution policy..what does it mean
I received a letter from Aviva asking me to vote YES/NO in relation to a reattribution policy. voting yes means i will get a payout and voting no means i wont. what i dont understand is what all this about and what impact does this have on my policy?
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Crafty Broker with a Crystal Ball?
My girlfriend and I are just about to buy our first place with a Britannia mortgage. We were looking to fix at 5.34% for 5 Years on a 84.5% LTV and we were happy with that until a broker stuck his nose in. This broker had been recommended to us but couldn't fit us in for an appointment for ages so when we made this…
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Best Rate on a 5 or 10 Year Fixed Rate Mortgage.
The best rates i've found for a 5 & 10 year fixed rate mortgage with a 60% LTV are: 10 Year 5.09% (£599 arrangement fee) 5 Year 4.79% (£599 arrangement fee) Both are with the Britannia Building Society. Does anyone know of any better rates out there? :confused:
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morgage advice please
i have a 3 year tracker morgage which has recently reduced greatly in repayment costs. would i be better repaying more of my morgage off a month while i can (ie an extra £500 at 2% penalty on early repayment which comes to £10) for the next 2 years until the morgage is due to be renewed or would i be better taking out an…
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Are we going to see the return of the 95% LTV mortgage..
I know some companies are offering 95% LTV for customers they already have. Does anyone know if there are any companies offering 95% LTV for new customers or does any one have any idea if these 95% LTV mortgages will start popping up again?
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Can a retired couple get a buy to let mortgage?
Hi I am asking this question on behalf of friends, who are retired. They wonder if they can get a buy to let mortgage? they have no trouble with getting a tenant, The property is £205,000 and they have £75,000 deposit? Thanks in advance Lou x
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To fix, or not to fix!!!
Hi everyone. I'm currently with Nationwide and paying only 2.5% on their variable base rate after my fixed rate ended late last year, so have seen a big difference in my mortgage payments!! Now of course there is talk that fixed rates are on the up and if you're thinking of fixing now is the time to do it, it's even been…
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First time buyers!!! NEED HELP..
Me and my boyfriend are looking 2 buy a house. We have been looking at 50% ownership, which my mom said would be good for us as were first time buyers and we can always buy the rest of the house later on. I'm just a bit confused on a few things.. I was looking at this one house which is £110,000. So we would be only buying…
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abbey question
just a quick question, our broker has managed to get our mortage looked at tomorrow with abbey as a priority as we have been back and forth with them as im sure some of you remember, my question is, she says we will have a decision tomorrow which then has to be matched to our valuation, this has already been oked so what…
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Pay off or Invest dilemma
Hi, I have a mortgage with several endowments. One of the endowments matures this month and I will receive a payment that will clear a third of the mortgage. With the current low mortgage payments I don't know whether to invest the payment and earn some interest of pay off a third of the mortgage. Does anyone have any…
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Fixed rate nearly at an end
Just checked the paper work. I signed up for a fixed deal of 5.89% for two years. The first payment of the fixed rate was made in April 2007 and I'm back on variable with the first payment being made in July. This equates to two years and three months? Am I being ripped off? Thanx
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Trapped in a Mortgage! Help??
I purchased a flat in November 2005 with my then-husband, which we took out a mortgage for jointly with Nationwide. I separated from my husband and left the property in early 2006, and have not lived there since. We were divorced in October 2006. I have just ordered a copy of my credit file and was dismayed to discover…
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Got Homebuyer Survey, now need recommended contractors in Bromley!
Hi all, My OH and I are in the process of buying a house in Bromley, SE London. We've just received the Homebuyer Survey and it highlights potential damp around skirting boards and on chimney breasts. Apparently the damp proof course may be deteriorating and flashing around the base of the chimney stack may have come away.…
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HSBC - valuation and letter speed
hi all HSBC underwriters came back to us on Friday morning (our mortgage manager emailed me to give us the good news) saying that they were happy to offer us the mortgage we wanted (all bit it a slightly less amount than we wanted but that's not a problem) So we now are awaiting on the mortgage offer letter (Subject to…
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Buying our rented house
At present we are renting a house. The owner has agreed to sell it to us. We have agreed the price with the owner. What do we do now? The owners live in Australia so are using the estate agents that currently manage the property. What comes first - a) the estate agent telling us the sale has been agreed b) getting in touch…
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Mortgage Help Please I Have Been Very Silly
I can't beleive that we have been stupid enough to do what we have done and now I find myself turning to strangers with a view to help us out. to cut a long story short my husband and I needed to further advance our mortgage to build and extension. As he is self employed they requested 3 years of accounts which I provided…
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Interest only vs repayment, doesnt add up!
I am looking to re-mortgage at the moment and looking at long term fixes, thinking that a 10yr fix would be good as I am only a yr into my mortgage life! I currently have an interest only mortgage and I put aside an amount into savings. The amount I saved is based on the loan amount divided by 25yrs (term intended) and…
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Mortgage questions- please help
I've got 2 quick questions 1) Is an Automated Valuation realistic and how does the bank work out what your property is valued at using this method? We recently had a AV done through the Britannia and I was surprised at the valuation as it was so much lower than what we were given through online valuation sites and our…
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Help - worried about not getting a mortgage
Basically was just after some advice/reassurance I suppose as to my chances of getting a mortgage, its causing me sleepless nights. Basically I am 31 years old with absolutely no debt, no credit cards. I earn £30,000 a year and am on the electoral roll, full time job since I was 18 etc etc etc. I live with my wife (just…
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abbey mortgage advice?
Hi all, I have a property that i am looking to rent out. I have been instructed to let my mortage provider know. I rang and spoke to them, they advised me that i did'nt have to change my mortage to buy to let, but to pay a fee of £295 to cover the cost to change the terms on my contract and also something to do with…
