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Should we surrender Standard Life policies?
First time poster We have two Standard Life policies and can't decide whether to surrender them or not. 1st is a with profits Endowment Assurance policy started in 1990 maturing in 2012 Target amount £13250 Current value £6632 MEP £500 - £750 Current premium £24 2nd is a unit linked Homeplan policy started in 1993 maturing…
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Mortgage guarantors ?
Hi I can get a mortgage of £110k but might need to get £130k, if my parents were to guarantor my mortgage would they be liable for the extra £20k or the whole sum ? Thanks for any replies Steve
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advice needed to sell or not what options do i have?
well not sure where to start really we currently have a mortgage with northern rock and a secured loan totalling to £118,000 this is fixed for 5years with 3years remaining. first question would we be able to switch the mortgage to a new property. Our property is currently valued at £95,000 however we have recently seen a…
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Btl mortgage advice
Hello all Does anyone know if you can get a BTL mortgage if you earn less than 25k? The Halifax are specifying this as part of their lending criteria. Also is the deposit now 25%? Thanks
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Mortgage advice - a difficult one
Hi we presently have two mortgages on two properties, one that we rent out on a intrest only mortgage and one that we live in a have a repayment mortgage, both are due for renewal. The tennants have informed us that there leaving next month so we don't want to tie down a new fixed deal and are contemplaiting selling the…
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Credit score for mortgage
Hi wasn't sure where to put this................ I have a CCJ so asked an advisor/broker to help me out – he said that companies are not lending as “easy” as they were because of the state of the market. Anyway he asked me to get a credit report from Experian which I am in the process of doing, I’m waiting for a pin…
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C&G vs Britannia
Hi everyone. I am in a bit of a dilemma. We have had our offer on a house accepted which is great. However our mortgage we had in principle with C&G through a mortgage advisor was no longer valid asthey no longer allow FAs to arrange 90% LTV mortgages. So we applied directy online for exactly the same deal, all ok and they…
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Best shared ownership mortgage?
Hi, I am looking at getting a mortgage of around 35% on an apartment worth 250,000. I have a £8,000 desposit. Any advice on who would do the best mortgage?
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mortgage when I'm unemployed?
Hi everyone, I will shortly be receiving a cheque of about 25k and I'd like to put this into property but the properties I have been looking at are about 40k. Is it possible to get a mortgage when I'm unemployed? My dad seems to think it is because I have a large deposit but I'm not sure so I thought I would ask on here to…
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advice on mortgages and cifas marker
Hi just wondered if anyone can advise me,my husband and i are planning on moving,my credit file is shot as had a lot of problems i also have a cifas marker against me from natwest re current account this is in my maiden name,my husband has a clear credit history,no credit cards etc and the mortgage at the moment is in his…
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Your best advice please....
Hi. Not been on for ages, but still read the forum on a regular basis. Here is my luck/dilema.... I have £40k in savings with a mortgage of £142k. I owe £12k on virgin 0% credit card that ends in September. My 5 year fixed of 5.48% with Nationwide ends in 2 more payments and the I go to 2.5% (SVR) on current rates. My…
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Can we really complete in a week?
We finally received confirmation today by phone that the Abbay have agreed our mortgage. It has been a nail biting time, with lots of pressure on everyone as everyone in our chain would like to complete next Friday (19th). Is this a reality? The mortgage paperwork is due to be sent out on Monday but time is ticking and I…
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mortgage company credit searches???
hi would anyone know what credit reference agency alliance and leister use???? thanks x
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mortgage company credit searches???
would anyone know what credit agency allience and leister reference from??? thanks x
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Agreement in principle period
We are potential first time buyers and are looking at what 5yr fixed rates are on offer with a LTV of 90%, best we've seen so far is 5.34% with Britannia that has a £995 arrangement fee. Next best was RBS first time buyer exclusive with a fix of 5.99% Does anybody know once an agreement in principle is reached how long it…
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Affordability help!
Help! I have just been turned down for the mortgage I wanted (£90K over 25yrs with a 40% deposit) on the basis of affordability. I earn 25k and my monthly take home after student loan, pension etc. is £1,300. I have an overdraft of £0 to £1400 depending on which day of the month it is but have £2,500 in a high interest…
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Keep to tracker or switch to fixed rate?
Hi, Been using this forum on and off for a while... thought I'd start a thread as we'd appreciate advice and we have to decide what to do about our mortgage! Tonight, really. :o We've been on a Cheltenham & Gloucester tracker of +2.19% (so we pay 2.69%) for four months, and have noticed all the news about fixed rates being…
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What mortgage can I get with a £50-60,000 deposit BUT Self-employed on a Low Income
account no longer being used thanks to bullying from forum members.
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First time buyers just need 20% mortgage what's the best deal?
We have just made an offer on a house and it's been accepted. The value of the house is 150K. We need to borrow only 30K, and we would like to repay the sum in 10 years. What is the best mortgage out there, considering we'd rather do without the reservation fee and we'd like the possibility to make overpayments. Please…
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Who is the 90% mortgage lender on the market?
Hello, If I'd like to pay 10% deposit, who is the 90% mortgage lender on the market? Thank you!!:money:
