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Aviva freezes reg bonuses and MVRs
Small rise in terminal bonuses. http://www.citywire.co.uk/personal/-/news/money-property-and-tax/content.aspx?ID=376137&re=8082&ea=156896 Disappointing response to market recovery.
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Advice wanted!! Re: mortgage
Hi there, Just wondering if anyone can give me advice. My marriage is breaking down at present & am looking towards a seperation. My problem being that my husband will not leave our house & tells me i have to move out!! We have 2 small children & i only work part time. The mortgage on our house is in joint names therefore…
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Sct Am/Prudential Endowment Maturity Values
Anyone had an endowment mature this year yet, if so, could you post the approx shortfall and what the terminal bonuses were? Dunstonh usually has this kind of info;)
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Thinking of remortgaging.....
Hi, I am currently with Abbey standard variable rate of 4.24% and I was offered by the same lender a tracker deal for 2.49% + BOE (0.5%) for 2 years or fixed 2 years for 3.79%. Both have £125 booking fee. What do you guys think, should I choose a deal now or just stay with my current rate? Thank you in advance.
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Will bank check my employment status for remortgage?
Hi All After 21 years as an Analyst Programmer at the same company, I was made redundant and left full time employment in December 2008. For the last 5 years I had also been analysing horseracing data in my own time and making a good second income from betting. Since my redundancy I have made this my full time “job” and…
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Fixed or Tracker??
Hi, My boyfriend and I have a 10% deposit over a £150,000 house. The best offer we've seen is an RBS 5 year fixed mortgage at 6.39% (5.2% APR) with no product fee, which gives us monthly repayments of around £900. We wouldn't have much spare cash on top of this initially, so thought that it would be best to be have the…
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Credit Card before Mortgage App?
Hi, im hoping someone will be able to point me in the right direction! Ive recently had a debt account closed for a mobile phone taken out in my name. I was told to check my credit file, which now says the account with said phone company is 'satisfactory' This has left my credit rating today as Fair. Im hoping to take out…
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is there any help for me
i dont know if im puttin this in the right place but im after some advice basically me and my partner have spilt im still in the house he says he not paying the mortgage as he not living there. i work but dont earn enough to pay the mortgage if i didnt work then the dss would pay the interest as i do work is there any help…
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negotiating and offer advice
Hi, all long time reader short time poster here! Have seen a house we really like, it has been on the market for 2-3 months and is currently on at fixed price 105k. The price was reduced due to some decor in need to refreshing (purely superficial carpets and wallpaper etc) and i think it was previously on for offers over…
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MSE News: Fixed mortgage rates fall
This is the discussion thread for the following MSE News Story: "The cost of fixed-rate homeloans fell during December as competition in the market began to increase ..." Read the full story: Fixed mortgage rates fall
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Advice please re buying 75% share of property
Hi Can anyone offer some advice on this please. My wife is considering selling her sister a 75% share in a flat we own valued at a little over 200k. Say she buys a 75% share at £150k. This would pay off our btl mortgage and leave us with 50k equity in the property. My questions is will my sister in law need a special…
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Mortgage Advice/tips Needed
Hi, some Mortgage advice needed if possible, looking to move house shortly and will hopefully be selling my house for £205000ish and will be buying one at £235000. I currently have a mortgage of 74000 which is with ING direct on their now discontinued flexible mortgage 0.9% above BoE rate.:D So new mortgage would be about…
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Asked to pay a deposit on a morgage after we have signed the morgage deeds?
I need some advice, Me and my partner are buying a property, which is a new build and is half morgage and half provided by the goverment and is a first time buyer initive. We move in the property in june 2010, but we had a morgage offer set up back in July 2009 which lasts 6 months. This offer is now due to end and the…
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Financial & morgage advisor help
does anyone know how to find a good morgage, financial advisor? i am a first time buyer and dont want to find someone who will rip me off any tips or websites anyone knows about?? Thanks :) :j
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Temporary switch to interest only?
I currently have an £85k mortgage on a property that was worth £110k at the last valuation. After a fixed rate ended I'm on Abbey's SVR at 4.24% There is 25 years left on the mortgage and I've not overpaid at any point, it is not a joint mortgage. Given the high LTV I'm currently sitting on the high SVR for now as I don't…
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Joint Mortgage
I have recently split with my boyfriend. We have a mortgage together from July 2007 and I am looking to take him off the mortgage as I would like to stay in the house for the foreseeable future. Given the low interest rate at the moment it would cost me more to sell up and rent a place than paying the full mortgage on my…
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Should we put our credit card debt into a personal loan before applying for mortgage?
Hi, My husband I are looking to move in the next year which will mean needing a bigger mortgage. Unfortunately we are in a huge amount of debt £15000 on credit cards and we pay £305 per month on a loan. We never have any trouble making repayments and have never missed any. We're lucky to both be on relatively good…
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hmo mortgages??
dose anyone know any lenders who will still finance a hmo property? i have a offer accepted on one but my broker cant get me a mortgage now ;o( its only for 95,000 i have a 25% deposit
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Should I pay off my mortgage? Moneysavers, what do you guys think?
Hi All, Hope that alls well. I have, after, years of saving carefully and being really frugal, am now just about able to pay off my mortgage. I have a fixed deal till Oct 2012 with the entire mortgage having 8 years to run. My interest rate is 5.98 and I owe just under £25,000. They allow me to make overpayments each…
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Matured Endowment, keep going or cash in?
Hi, I have a couple of endowments which aren't secured against a mortgage. One, an abbey life policy will mature next month. As of last friday it was valued at about 40% less than it's target figure. Should I resist the temptation to grab the money and run or should I continue untill the share values have risen?
