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Aside from Northern Rock, who offers 5-10 yr unlimited overpayment fixed rate morts?
Hi all The unlimited overpayment feature is key to my partner and I as first time buyers. We are familiar with Northern Rock mortgages and their unlimited overpayment feature and wondered whether any other lenders have similar deals? Many thanks Max
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Halifax mistake! advice please
currently have our house up for sale got outstanding mortgage balance 1st sep 2009 payed 4 further payments since and just checked balance again and and was told they had made a mistake:mad: 1sept £88500 owed 5th dec £90592 after paying 4 more £550 halifax have listened to the call and admitted there mistake this means…
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HSBC 5 years at 4.44%
In 10 days time I'm going onto a 5 year fixed rate of 4.44% with the HSBC, paid £600 for the pleasure. Currently on 2.5% with Nationwide, so the question is am i making a big mistake? Ten day's to change my mind!
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Barratt Blow - Part Exchange Problems
Recently we decided to buy a barratt home and part exchange our home in at the same time, we had about £106,000 on our mortgage and Barratts offered us £102,800. We had to think about it but we decided that we could get the mortgage down to that before completion and it went on. We chose the house we wanted and paid the…
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50/50
Hiya everyone I recently lost my dad in april of this year.And the house was left to me and my sister nothing owed on it.Now i have a feeling my sister will not sell her half of the house to me.But she may want to buy my half of the house.My dad before he died asked me if anything happend to him would me and the oh move…
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Remortgage Advice
Hi I am after some info on regarding my current mortgage: I currently have an IO mortgage for 124k @5.99% fixed for another 2 years and i was browsing the A&L's website at their rates for new customers and found them to be as low as 3.89% with no fee. The question is can i approach the A&L and see if i could finish my…
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Anyone had a reduced redemption offer?
Just wondering if anyone has managed to negotiate (or been offered) a reduced redemption amount if they move or redeem their mortgage? A colleague had this happen - they were offered c£20k reduction if they took their mortgage elsewhere. It was a negative equity situation, but by borrowing from family they were then able…
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Can you get two mortgages in principle?
My boyfriend and I want to buy a house and I want the First Direct offset mortgage. For this you need a deposit of 25%. We have that but on the other hand we might decide to buy something nearer, in which case we would only have a 20% deposit. Could we get a mortgage in principle from both First Direct and another company?…
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valuation times?
hi, does anyone have any idea how long abbey are taking to organise a valuation around this time of year? thanks
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Overpaying my mortgage. Confused
I find this confusing :confused: The objective is to reduce the balance of my capital over the next couple of years to help with getting a good deposit when i move out. In october this year, i had a letter from my mortgagees. They said that as my fixed term had ended, my monthly payments were to reduce from around £340pm…
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how much can we get?
How much would a mortgage advisor give us on our current salaries? I am on 5k a year (part time working mum of 2) and husband is on 19k. We shall have 12k deposit. We are hoping for at least a 2 bed property as we have 2 young children,hope someone can give me some help. As we need to start looking at houses in the new…
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Was I given bad advice ?
Hi, I don`t usually frequent this forum, but I wonder if someone can give me some advice please. I was widowed recently and when the endowment policy was paid out to me, I went to see the bank manager about paying off most of the mortgage (policy didn`t cover it all) We had £30k which was C&I and £15k interest only, both…
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Can I mortgage this house?
Hi, just looking for a little help. I'm looking to move home soon with my girlfirend. We've seen a house that's really interested us and we're pretty smitten with it. It has everything we're looking for and will require a fair amount of modernising to bring it up to scratch. The only possible problem is the house has no…
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Question about the amount providers will lend?
I know that the general guide for calculating the amount of mortgage you will be offered is roughly 3 - 3.5 x your annual salary (and as long as you have sufficient deposit/equity), but what exactly do they go by? Is it your contracted salary, payslips or P60's? The reason I ask is that although my OH's contract is for 19k…
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Intelligent Finance - KFI (Key Facts Illustration)
Hi there, I have my mortgage with Intelligent Finance and am disgusted to learn that they will no longer allow me to port my mortgage to another property. I feel this is another case where the banks are walking away from their commitments because it is not in their interest to carry on. I would like to review whether I…
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Shared Ownership deals?
Hi Does anyone know a list of banks that offer shared owenrship deals? I'm looking for a 100% deal if this is still possible...
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Porting but changing repayment method.
Hi Does anyone know if we port our existing mortgage rate/ term during our house move but switch to interest only from repayment do we have to pay early repayment charges? When you port to avoid ERC's do you need to keep the repayment method the same or not? We are keeping the fixed rate and remaining term of a 5 year…
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A kind sole to help at Christmas!
Hello folks Daughter and fianc! split 2 years ago. They had a mortgage. There was a verbal agreement between them that she would discontinue paying in July 2007. Now December 2009 the partner wants her name off the mortgage and wants her to pay a large percentage so he can buy it with his new pregnant partner of 2 ½ years.…
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Interest Rates - rates
what did the bank decide to do with the rates this month, cant see anything on line?
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Self build mortgage, advice required.
Hi, I've been browsing these forums for a while now, but decided to register as I have problem. I am looking to build a house, but I am currently finding it difficult to find any information on the internet about self-build mortgages. A lot of my search results end in me browsing a page that requires me to send a lot of…
