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Endowment Advice
Hi, I have an interest only mortgage that expires in 20 years time and need to start looking for an endowment policy, the mortgage is for £180,000 - any advice appreciated!!!
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Mortgage for a fixed contract worker
Hi Im on a 1 year contract at the moment which lender is most likley to lend to me? I went to Natwest and they point blank refused. Cheers for your help!
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Mortage Adviser asks for weight and height
Hi Everyone, My GF and her sister are currently in the process of buy their first house and they have gone to a mortgage adviser. They've decided on a mortgage and it is being processed. On Friday the mortgage adviser emailed them and asked for their weight and height; which struck me as a very odd request. I have advised…
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fao. any mortgage advisors or surveyors/ valuers for mortgage companies?
Hi, any help with this is much appreciated. I am thinking of buying a bungalow, the only thing putting me off is a large tree in the garden. The tree is roughly 15 metres from the house, but it is large and is a species that is known to be very thirsty so would take a fair bit of moisture out of the ground and the roots…
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Friends Provident endowments
Does anyone know what Friends Provident are paying for terminal bonuses on with profits endowments at the moment Thanks
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Interest Rates
Hi all, I am currently on a fixed rate of 6.13% which ends in December and I have the option of reverting to the variable rate of 2.5% (always 2% above the base of England base rate) meaning I will be saving £300.00 per month of which I intend to either save or make overpayments to my mortgage. However I have another…
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Can I use a site as a deposit on a Self-Build Mortgage???
Hello, I have a mortgage on the property in which I currently live. I have also purchased a site which I finally have received planning permission for. With the house market being so poor I hope to rent my house and take out another self build mortgage. Do you know if the site on which I am going to build my house can be…
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Shortfall Saga - Bank U-turn :( Now we're desperate
Unfortunately our mess of a saga continues after our well laid plans are upended by the lender. We could really use some advice again. My wife's downstairs crying and i now have no idea what to do :( Basic Cliff Notes: 1. My wife and ex partner have mortgage. 2. When together he told her to get a loan to cover mortgage…
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Can C&G extend my fixed term mortgage?
We have a 2 year fixed rate mortgage which was at a rate of 6.69%. It completed in November 2008 and we made the first payment in December 2008. The mortage offer letter states that after 24 monthly payments, the rate will drop back to SVR. It also says that it assumes the mortgage will start on 1st Feb 2009 (which it…
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Does my partner's name have to be on the deeds?
Hi, a long story, but I own a home and also have a joint mortgage on another house (which we were going to sell but have now decided to let). I would like to re-mortgage the house I own but we were advised by A & L (now Santander) that my partner would have to be on the deeds of the property. My partner is the earner, I…
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Fixed Term Ending - What Next?
Hi All, I'm after some advice please as am clueless about what happens next. My fixed term mortgage comes to an end on 30/11, it will then go on the B of E Base + 0.75% reducing my monthly payment from £769.93 to £549.45. I dont know what the best thing to do is? Do I risk the base rate staying low and take advantage of…
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RBS Mortgage Help
Hi all, Just a quick query, wonder if any of the forum experts can help. I'm currently in year two of a 30 year mortgage, capital and repayment. LTV is about 93%. I'm currently in a but of a financial fix, but don't want to fall behind on mortgage payments - what with a young family etc. Are RBS open to a customer…
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Shared Ownership Advice Please
Hi just looking for some quick advice really, my partner and I have recently been accepted on the link housing shared ownership scheme. Very happy about this as it means we should be able to buy a 70% share on a property meaning mortgage payments will be lower. I have a 3 month old so on maternity leave at the moment so…
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end of fixed period
Not for a year yet but just wanted to ask... Our mortgage is subprime , 8.19% :eek: and was fixed for 3.5 years. Paperwork says "fixed until 01/10/2011 then a variable rate 3.29% above BBR for the emaining term of load" I know this can change but at the minute it is a lot less than we are paying at minute. Will our…
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Mortgage Rejection - Apply Somewhere Else or Wait?
Hi there, Would just like some quick advice. My wife and I are first time buyers with an accepted offer in on a place. We had an aip with HSBC and are in the process of applying for the mortgage at 90% LTV. Our credit ratings are good according to Experian, but not the top tier. From what I've been reading around, lenders…
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Can we manage this?
I am a student, applying for Midwifery 2011 so I don't need to worry about fees because it's all NHS funded. My OH earns £14,000 untaxed at the moment (he's just out of college), we have about £3000 saved and are looking to get a £60,000 house with a 10% deposit in a year. We are currently living with my parents in quite…
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How long before I can get a better mortgage?
Hi I've posted on the debt-free forum, but thought I'd post here too. I have got myself into debt and am selling my property to clear them. I have a CCJ, which will be clear on completion, and other defaults - I am with Payplan. I have cleared 2 debts over the last 2 months and now just have the CCJ and Egg CC to clear. My…
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the coventry bs
hi all i have heard they can transfer your current mortgage with them to another mortgage if you move house, i have also been told they can offer 100%ltv ? any mortgage advisors work with them, and know the process? i am looking at moving, but wont get any profit from my current house so dont have a big deposit, i have to…
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Endowment Redress Calculation
The below may seem obvious to many, so apologies in advance if this is the case, but I have my reasons for asking this question: My Endowment Policy provider has up-held my recent mis-selling complaint and has offered me compensation. They have confirmed they used ‘Mortgage Fundamentals’ software to calculate compensation…
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Chelsea Building Society- anyone have a mortgage with them?
Hello all, I have just applied for a 4.19% 5 year fix with The Chelsea (done through a broker). Does anyone on here have a mortgage with The Chelsea? How do you find them? Many thanks
