Mortgages & endowments

Discussion List

• Reclaim against a misold endowment

  Hi I successfully claimed against a misold endowment around 5 years ago and was paid up to the shortfall at that time. My endowment is about to mature and I find that there is still going to be a substansial sum owing at its termination. Is to possible to claim again to make up the difference. Thank you.

• Deceased Mortgage

  My SIL's brother has just died and has a mortgage with Santander, yet they are refusing to frieze the interest on her brother's mortgage, despite being asked to and keep charging his bank every month that his mortgage is paid even though they've had letters from her solicitors and copy's of his death certificate. Current…

• Nationwide - totally unhelpful!!

  Dear all, I know that to take a payment holiday from a mortgage is usually not recommended but I am due to start my maternity leave next week and strongly believe in spending time with baby for as long as I can. Despite all this I can only really pursue a 6 month maternity release and this will even so leave me with 3…

• Still possible to clain mis-sold endowment?

  I now know that it has been possible to claim mis-sold endowments, however I am rather late in trying. This is mainly because I did not think I could. But I recently dug out the paperwork and sent of a letter to Scottish Widows (template from the Endowementaction link) Of course I was mis-sold the policy, I was told that…

• Alliance & Leicester Remortgage - Any recent experience?

  Hi, I have 2 A&L mortgages and one of them has the current deal expiring at the end of this month. It's currently a BOE + 0.89% tracker. When I last remortgaged, 2 years ago, I was able to see all their deals on their website and chose the above deal. Now that they've been taken over by Santander, the website just gives a…

• BTL Fixed rate expire in Jan - what to do?

  Hi hope you can help? I have a property that I have owned for 10yrs and is currently being rented out. The fixed rate mortgage is about to come to an end, the current rate being 5.29. It will then revert to 1.95% above bank of england base rate. Now in the short term the payments will drop, but what to do? (wish I had a…

• Mortgage

  Hi Ive been self employed for a month and was wondering if it's possible to get a mortgage?

• Advise on Mortgage

  I took out a mortgage with my dad a number of years ago to help my family buy their house, he wouldn't have been able to get the mortgage without me. The idea was that it would only be a temporary solution ideally... now I have just got married and my wife and I would really like to buy a house of our own in the next few…

• new baby. going part-time. remortgage help

  hi we have just had a baby and my fiancee wishes to go part time. I am self employed. We are currently on a mortgage holiday with Northern Rock normally paying £1100 a month .Thinking about temporaraly extending from 17yrs left back up to 25yrs and or changing to interest only. Any feedback please, or if you think there is…

• Cheltenham and Gloucester customer service nightmare!

  Guys, dont really know if any advice can be given, but if so greatfully recieved. Agreed a mortgage in principle 5 weeks ago with c&g for £209k, the lady stated due to my good credit rating etc no proof of income required and i would have the funds cleared within 2 weeks of returning my application. I eventually applied…

• Best way to take money abroad

  What is the best way to take money/cards etc to Grenada, Caribbean?

• Help/Ideas required?

  Hi firstly I hope I am posting this in the right section and apologise if not. I was just wondering if any other moneysavers can help with the situation my spouse and I are in? We currently have a mortgage on a property that is our first home that we have been in for nine years. We purchased the property as at the time we…

• Cash and Endowment to Clear Credit Card Debt

  Hi We have credfit card debt of £21k that in part built up through a redundancy situation in 2009. It had been our intention to release equity at the end of a fixed rate mortgage period in Feb however my own bank refused to agree our mortgage (as transferees from another lender) with much of the decision based on the…

• Woolwich Offset Mortgage Maths

  I was always under the impression that the way offset mortgages work is that having a £200K offset mortgage + £100K offset savings equals to a £100K regular mortgage in monthly payments. For some reason the Woolwich's mortgage calculator shows a different picture: Compare to BBC's one: Where the £200ish difference comes…

• B&B heaven?

  I want to live in and run a B&B on Isle of Mull business seems good here but the cost of houses are above adverage. Even if I sell my own house (approx £100,000) in hand, I will still need around £150,000 mortgage. Question is can I get one? or would I get a business loan. I will be running craft workshops too to earn…

• can anyone help?

  i am just in the process of buying my first house the offer has been sent the valuation has been done and the contract signed am i nearly there and could anything go wrong at this stage thanks FN

• Deferring mortgage paymen for one month

  We have an up to date record on our mortgage since we bought our place 8 years ago. The mortgage was with B&W now Bank of Ireland. Does anyone know if the lender will entertain allowing us to have a one month payment holiday. This is to allow a few extra bills we have coming up to be settled. I do not envisage having to…

• Mortgage in Principle

  What does Mortgage in Principle mean exactly i am struggling to understand what stage we are at when they say we have been accepted for a Mortgage in Principle?????

• New House - Please help???

  Hi All, I currently have an offer on my flat and have had an offer accepted on a house. The house will cost £197k and I have £30k to put down with my wife. I have had no issues with my mortgage in the 6 years I have had my flat and have never even been late with a bill. We even pay extra towards our mortgage because we can…

• Anyone had a mortgage from Aldermore ???

  Hi I've read on a previous thread that Aldermore banks lending criteria is slightly moe flexible for those seeking a mortgage with a poor credit history :j BUT they will only need accept applications through a broker :( I can't seem to find a broker via Aldermore website - any suggestions as to where I can find a broker…