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Mortgages & endowments

Archives for April 2010

Divorced and moved out but still on the mortgage
I split up with my ex about 2 years ago, i left her living in the house with my 3 children but am still on the deeds and mortgage. I want to get off the mortgage and will then come off the deeds but am unsure what options are open to me. The main problem is she is a stay at home mum. I'm guessing there are little to no…
Quit Claim Deed Form?
Hi there folks. I had posted a thread a few weeks ago and asked if I could get my husbands name off the mortgage without being reassessed for a new mortgage and was told no. I was advised though, that an agreement could be drawn up for my husband to sign that says he would have no claim on the house anymore, without…
Fixed rate finished, reverts to tracker, or should i refix?
I was afirst time buyer in Apr 07. Best deal i could get at the time was 6.19%, thankfully this is just finished. I revert straight to a tracker currently 1.45%, or i have the option to fix for 2 yrs at 3.49%. I was made redundant wen company closed at end of 2009, and am still looking for work. The new repayments at 1.5%…
remorgage + stamp duty question please
Hi people, sorry if this is posted in the wrong section, we are remortgaging my parents property they have owned this since th 90s, my fathers name will be taken off the morgage my mums will remain + i will be added, will stamp duty have to be paid many thanks
post office mortgage experience anyone???
hi, i am lookinig at the post office 2 year fixed rate @ 3.15% deposit of 25% Anyone any experience with these guys? are they harsh lendors? anyone got any tips on how to get approved by them or things to look out for. IS the above mortage a decent one?
Should I use a 0% cheque on my mortgage?
Hi, Barclaycard have sent credit card cheques 0% til Aug 2011 3% fee to use As my mortgage is 4.1% I could save 1.1% :T on 10K say Id save about 1000 pa so about £1500 in all :) I can draw out any additional overpayments from my mortgage so risk should be zero even if circumstances change Min payment would be needed of…
Remortgage while in IVA
My husband and I are currently in an IVA, due to finish in January 2011. Our current mortgage is with Northern Rock and our deal came to an end last year. Our repayments have now increased considerably and I was wondering if we stand any chance at all of re-mortgaging with another lender. Does anybody ahve any ideas?
Overseas mortgage
I am looking to buy a property overseas, what are the best options with regards to overseas property mortgages?
Mortgage coming to end and other Financial Stuff
Hi I need a point in the right direction. I would like to pay off my mortgage which is about £3000. I have a car loan £10000, credit card debt £1200. I have been medically retired with a lump sum which will cover this but leave me with less than £3000. Before I pay off my mortgage and find out it might not be right for me,…
Can we claim Missold Endowment from a Financial Advisor
My Wife and I purchased a Mortgage Endowment policy via recommendations from a Financial Advisor. Although I was not keen to go down the Endowment route, he convinced us all would be well as he had calculated our monthly payments based on the poorest projected growth percentage. We would therefore be overpaying from day…
Will I be able to get a mortgage with some bad previous credit? Advice needed please!
Me and my girlfriend are hoping to try and get a mortgage in the coming months. She has a near perfect credit history, no previous problems, very sound with money. She doe's have a car on finance but that has nearly been paid in full. I made some mistakes when I was at uni (about 4 years ago) and have paid off a large…
Business mortgage
My dream job: running a B&B . I know most banks give 30/70 value business mortgages. My problem is, I can put only £30000 for a deposit. I live in rather expensive area ( average property price above national) in rented accomodation, I'd have to move into other, cheaper region , but I don't think anywhere in Uk I could buy…
Self Cert mortgage
Hi, i am looking at buying a property as a ftb. I can put down a large deposit but don't have any income proof apart from bank statements. The property i am interested in buying is 325k and i can put down a large deposit, does anyone have any suggestions as to any mortgage solutions for me?
MSE Leaders' Debate: Stamp Duty
This thread is specifically to discuss the Stamp Duty question in the guide: Stamp Duty: MSE Leaders' Debate To discuss or ask a question about the guide: click reply
MSE Leaders' Debate: First Time Buyer Mortgages
This thread is specifically to discuss the First Time Buyer Mortgages question in the guide: First Time Buyer Mortgages: MSE Leaders' Debate To discuss or ask a question about the guide: click reply
MSE Leaders' Debate: Existing Mortgage Holders
This thread is specifically to discuss the Existing Mortgage Holders question in the guide: Existing Mortgage Holders: MSE Leaders' Debate To discuss or ask a question about the guide: click reply
MSE News: Time to fix your mortgage?
This is the discussion thread for the following MSE News Story: "Home loan rates are at a one-year low, so should you lock into cheap deals now to avoid a future payment shock? ..." Read the full story: Time to fix your mortgage?
Can Anyone help?
hi i am just looking for a bit of advice, I own a property the mortgage is £105,000 my ex girlfriend is still on this, we are speaking and she is fine to wait until i can get it moved. Now the problem is the property is in negative equity about £5000,on my own my current mortgage company will only give me £80,000 so thats…
Co-operative Bank remortgage
Has anyone recently re-mortgaged with Co-op bank? If so how did it all go? Did they keep wanting to see further info or was it straight forward? How did the valuation go? did they do a full valuation or a drive by valuation? did they under value at all? I have just been accepted and wanting to know what to expect. Thanks…
Advice Needed
My daughter and husband are moving abroad. At present they are scraping by and cannot afford to pay the mortgage on their present home and with great reluctance intend to just walk away before the house is repossessed. They also own a flat but the interest is very low so the mortgage payments are small and payable to…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Mortgages & endowments

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