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B&w meaf
Hi Has anyone had a moertgae with B&W? I recently tried to reclaim the MEAF but was told that I couldn't reclaim it becasue that was the charge. I used Martin's template. I had a mortgage with them about 3 years ago. Has anyone been successful with reclaiming from them?
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Quick question...
M&D own a property outright, they are looking at mortgaging it to give me the cash to buy another property. When looking at mortgage rates, obviously they aren't first time buyers, but are they classed as remortgaging? Most remortgage rates mention moving from other providers or taking on more borrowings, which technically…
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YBS offering 2 year fix at 4.99% to me (an existing customer)
The kind folk at Yorkshire Building Society have written me a letter informing me that my current 5 year deal is coming to an end. My LTV is 37% according to them. The SVR is currently 4.99% which is exactly what their fee free 2 year fixed rate mortgage is set at. It still feels a bit high to me and there are certainly…
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Flipping from repayment to interest only
Hi there, I'm a first timer on this forum so sorry if i waffle. I have a mortgage with the Woolwich. One of the reasons we took the mortgage was we could flip form repayment to interest. As we are expecting a second child we called them up and asked to flip to interest only. But we have been told that we are not allowed to…
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Lenders who are lending and will take benefits into account.
Can anyone advise if there are any lenders out there which will take benefits into account? All the income is provable. Wage £15,621.00 Child Tax Credit £8,770.95 Working Tax Credit £941.26 Carers £2,761.20 DLA £4,628.00 Child Benefit £1,726.40 Total: £34,448.81 Once my current house sells I will have £20k equity and am…
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axa endowment policy/british forces germany
has anyone been missold an axa endowment policy whilst being stationed in germany with the british army?
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Pregnant - mortgage advice needed
Hi there, We are going to have a baby and it's not that we haven't thought about it, and we do have a little put aside, but we were hoping that we could maybe take a payment break on our Abbey mortgage, or even change it to interest only, until I go back to work. Unfortunately, other half has popped into the Abbey branch…
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mortgage payments
Hey there hope someone can help! I currently have a mortgage with preferred. I had a 2 year fixed deal with them but it ran out Jan 09 and I could'nt re-mortgage with them or anywhere. My mortgage payments have fallen by a few hundred and Im concerned as I am only really paying the interest. I phoned them asking could I…
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missold endowment
my exhusband took out an endowment policy in april 1987, whilst being stationed in germany, with the forces. The policy was written over to me as a divorce settlement, there will be a big shortfall with this policy. Axa says it can't help me because the policy was set up by a broker in germany and that i should get in…
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mortgage for buying investment property in usa
can anyone give me advice on lenders who would be able to offer a mortage on a condo in the usa? is this even possible?
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First Direct offset question
Hi there I have a remortgage with FD. It's technically an interest only mortgage. My contracted payment is for the interest only, although they've worked out what I need to pay to finish the mortgage in 22 years. Technically if I move a sum of money out of my mortgage account equal to the interest payment out of my…
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Northern Rock mortgages being sold?
http://www.bloomberg.com/apps/news?pid=20601102&sid=aeTAY8.9pKMM I just read this news story about Northern Rock possibly being split into two. The article says that it's possible that the Treasury may "sell Northern Rock’s sound assets including mortgages..." Further into the article it says "A possible buyer for the…
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Std Life Endowments keep, surrender or sell?
I have three Std Life Endowments which I no longer need as I have paid off my mortgage. Should I keep paying the policies until they mature or cash in/ sell and invest the funds myself cos I don't think I can do a worse job than them. Details are First two policies are traditional type endowments third one is a unit…
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High Loan To value remortgage advice
Hi We are currently have come to the end of a 3 year fixed rate with Northern Rock and are now on the SVR. We would be looking to remortgage but we are on a 100% mortgage product and consequently there are not many deals if any out there for us. We have a unblemished repayment history and no CCJs etc. The LTV is high but…
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general mortgage advice and understanding comparison sites
I know the final decision will have to be mine, but what are your views about fixing or not? My mortgage ends this month and I'm looking at trackers versus 2-year fixed deals. Also just wanted to clarify something on the comparison sites. If the products are ranked in cost (low to high) over the 2 year term, then why in…
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Should I switch a repayment Mortgage to interest only?
Hi can anyone help please? I have a £210,000 mortgage with Northern Rock fixed at 4.99% until October 2010. We have about £15,000 debt on credit cards that we are struggling to clear. I contacted Northern Rock to discuss remortgaging for the additional amount but they will not do anything as we still have a year left on…
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Aviva Reattribution
We had an endowment policy that matured this year. There has been a lot going on with Norich Union/Aviva reattribution. We have received 2 of the special bonuses, but wont get the 3rd because our policy has now paid up. However, we had letters about the reattribution & we voted Yes, this vote was registered & we got a…
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zoopla zed index
we were in principle agreed a remortage with the woolwich(fixed rate)and were to receive a free valuation,our freebie was done on the internet using zoopla and its zed index which really undervalued the house,we were then told the payments would have to be increased from the original offer because of this,getting our…
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FTB - Should we wait?
Are house prices going to continue to fall do you think or will they level off and maybe start rising again over the next year or so? People keep saying (by 'people' I mean uncle/cousin/gran/colleague i.e. the average lay person) that house prices are levelling off now and that now would be a good time to buy. But, my gut…
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savings v mortgage ?
im in a pickle , not having a huge mortgage (£80k) i could pay £70k off but then i would have no savings , not sure if this makes sense or should i look at an offset deal that includes access to my savings should i need to, i understand these are limited though. Any advice would be greatly appreciated with if possible any…
