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Mortgage survey fees
Perhaps some of you guys can throw some light on this. A recent mortage appication - Northern Rock - required me to agree they could take dosh from my account, for the survey, allegedly !! NO costings was given on the form. My bank statement showed they took vasts amounts of dosh for this survey. Now surely it cant be…
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Best big broker besides London & Country
Can anyone recommend a good all of market broker?:confused: Thank you :D
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Consent to let with NR, can anyone help please?
Hi, my hubby and I want to let out our house. When we bought the property 18m ago he was going to leave the army and find a new career and we were going to live in our house. Since then the credit crunch hit and he has been unable to leave his job. We have since decided that he is going to stay in the army. In this time we…
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Mortgage advice please
Hi I’m a first time buyer looking to buy a property with my partner (who is also an FTB). We wondered if anyone had any opinion on the likelihood of us being successful in a mortgage application in the current market. We are looking at a property with sale price £150k against which we have c. £25k deposit (could find…
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Mortgage letter charges rip off
I have only just noticed I have been charged £35 a letter 6 letters in total and a fee of £100 debt counselling? due to the people I have my repayment mortgage with not listening to exactly what my payment plan would be in the past 6 months. Can anyone advise if these charges can be reclaimed similar to the £35 charge for…
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Lost endowment
Hi, I have recently found out that my parents had set up endowment policies with life insurance attached for me and my two sisters in 1988, the company they went with was refuge assurance, they used to pay into it through the post office and now we are all over 21, the endowments should have matured, but we have no…
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cant get a mortgage
first time buyer and just turned down for a mortgage, looking into further it was due to me having 2 defaults on my credit file, both are due to come off in the next 4 months, apart from them my account has been perfect for almost 5 years. Is there anything i can do or will i have to wait for one or both defaults to come…
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help regarding mortgage application
I recently applied for a morg through a brooker , i got the offer in principle now the morg company are being a nightmare with my mortgage offer. I dont have a brilliant credit rating so the interest in a bit higher when they done the in princ it came back with one late payment over the last five yrs then they said i have…
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Mislead
My mum recently remortgaged her home as she was struggling with her credit card payments and was living in a large over draft. She believes the mortgage adviser/personal banker told her that her cards will be paid off and canceled and her overdraft was going to be reduced. She went to the bank to draw money out (part of…
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So many options!
last time I remortgaged I kinda just "told" the IFA what I wanted and they gave me a short list of options. as a result I ended up in a three year fixed rate which I hate and cripples us every month. Since I decided to change direction in career and take a pay cut I consulted a different FA (one of those who is not tied…
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Abbey and a new biuld on a technicality
After spending two hours on the phone to Abbey today and them asking the basic questions at the beginning apart from whether the house is a new build and I didn't realise it made a difference, they asked at the end at then decided they wanted another 5% so 20% instead of 15%, meaning another £11,400!! So annoying... So…
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Abbey and a new biuld on a technicality
After spending two hours on the phone to Abbey today and them asking the basic questions at the beginning apart from whether the house is a new build and I didn't realise it made a difference, they asked at the end at then decided they wanted another 5% so 20% instead of 15%, meaning another £11,400!! So annoying... So…
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Urgent advice needed please - 2 mortgages?
Hi, I was just wondering if anyone could offer me some advice... We're selling our house at the moment. Our buyer pulled out a few days ago with only days to go before we exchanged contracts. We're gutted to say the least. When we accepted the offer on ours, we then put in an offer on a property we really want, which was…
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Shared Ownership Remortgage
Hi, I live in a Shared Ownership Property & would like to remortgage for an extension. I know some mortgage companies allow remortgage but only to buy more shares in the house - has anyone remortgaged their SO property for an extension?? Does anyone know a bank that will allow this?? Thanks Kelly
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Help Needed !! Mortgage Offset Question
Can anyone out there help me with this offset question ? if i had a 100k mortgage, interest only, interest payments made monthly by direct debit. then if i saved 90k in my mortgage offset account and the mortgage company charged me £50 a month for this facility. then my outstanding 10k would rise by £50 per month…
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Britannia - false advertising? HELP!
Hi, Britannia advertised a competetive 90% mortgage last month and we applied. Our credit scoring, references and proof of deposit were all fine so we were accepted. We had offered 195000 for a particular property which appears good value and this was accepted by the vendors. During the valuation however, their surveyor…
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Mortgage Fraud Help Please!
We would be very grateful if you could provide your comments and assistance in this following matter: My elderly parents aged 63 and 58 have been victims of mortage fraud and whereas the mortgage company Swift First are not disputing the fraud they are now underhandedly relying on land registry law section 58: A…
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Will fixed rates products get better or worst
Hi, Im trying to choose a new fixed rate product. Currently im benefiting from the standard variable rate. I ve noticed teh fixed rates products increasing. Do I fix now or wait till the lendings gets better? thx wl
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right to buy mortgages
hello all! i wonder if anyone can offer advice on my situation. i have lived in my little 2 up 2 down council house now for 11 years and qualify for full council discount. my partner who lives with me and myself are in well paid full time jobs and feel that soon would be time to excersize my right to buy. (the house is in…
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Help Please
I would like some advice if possible. My husband owns his flat and has a mortgage on it. He is looking to sell this and for us to buy a property togther however I wanted to know how likely it will be for me to be accepted onto the mortgage. Looking at my credit report I have a couple of years of paying everything on time,…
