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Mortgages & endowments

Archives for November 2010

Mortgage Linked?? who no longer exisits!! But want to complain
Has anyone heard of Mortgage Linked brokers? Does anyone know what happened to them? They advised my friend a mortgage in the past but I think it was mis-sold. They no longer exisit, does anyone know how I can complain about them? is it the Financial compensation scheme? It was a non-advised sale so the offer says, my…
March 2011 re-mortgage
Hi all, does anyone have any idea what the projected interest rate for mortgages is in March 2011? My current deal runs out then, would my current lender set me up again now for another 2-3 years and is it worth doing? many thanks :cool:
Please Help - Mortgage Deal in Principle?
I made an application for a First Direct Mortgage over the phone. I gave them all the relevant information and they told me that based on this information they would be willing to offer me £80,000 over 25 years. I said I was willing to go along with this and they issued me a 'personalised illustration' detailing the same…
First time buyer question
Im a first time buyer who is very quickly learning about mortgages, or more precisely, learning that they are ridiculously complicated!! I've found a mortgage with the Cooperative which looks pretty competitive but Im trying to decide which angle to approach it from. I can fix for 2 years with a 90% LTV or 3 years at 85%…
Possible To Transfer Mortgage?
I was wondering if it is possible to transfer my mortgage from myself to a friend so i am completely dettatched from the property?
Mortgage with daughter & partner
We have had a idea which I would like to know if it is realistic.We were thinking that if we sell our property, and buy a larger property with our daughter and her partner. They currently rent. We would have a deposit of around£140000 to 160000. Our joint income would be 70,000 - 80000. This is can be proved as we are…
Do I pay off my mortgage
Hi, I have had a "windfall" of £40k. I am pondering what to do with it. I dont really have any debt except my mortgage of £78k. Which has 15 years term left and variable rate. At the moment its 2.4%. I am tempted just to throw this £40k off the morgage but........I was thinking of "making it work" for me and then pay it…
Remortage Questions
Hi Folks, I was hoping someone could help with some advice with some questions regarding a remortgage. The application will be done by my wife, soley, and is for an increase in her mortgage from £60,000 to £100,000 on a property valued at ~ £250,000. My wife has £30,000 unsecured debt, the primary purpose of the mortgage…
Remortgaging and reducing term
Hi there, Can I ask for your thoughts on the following please. Back in April my mortgage reverted to the std variable rate of 4.99%. At the time I thought I had 15% equity in the house but with falling house prices it was much lower - therefore I have stayed on this variable rate but have been overpaying each month. The…
redeeming a mortgage
Having cleared my mortgage, I require a 'deed of discharge'. Surely I need this, not just "Land registry will remove charge". Anyone been in this situation ? emails to N/wide, below I have the paper deeds for the property, sent by the Portman solicitors in 2004, HOWEVER, what I require is a ? Deed of Discharge, to confirm…
Failure to pay
I have had a mortgage mis-selling complaint 100% upheld by Sun Alliance and have agreed the figures with them. However the policy has now been matured for 10 days and they have paid neither the compensation nor the proceeds of the policy. They are, in fact, becoming increasingly uncooperative, obstructive and plain rude.…
Mortgage with parents, advice please
Here's the situation, my parents currently live in spain and dont have any property here. They own a house in spain with no mortgage which they are going to sell and move back to the UK. It should sell for something like £250,000 They are going to want to buy over here again but are too old to get a mortgage and dont have…
moving Single mortgage to Joint Application
Hi I have a mortgage in my name only & am looking at getting my live in Girlfriend on the mortgage too - she already pays 50% of the mortgage but the lenders do not know this since its in my name only. The reason we are looking at doing this is that she is slightly worried about her job at moment and we want to have her…
Couple looking for first mortgage
Hi All, Have been reading these forums and there is some great advice on here so hoping to reap some of that myself. Myself and the g/f are looking to get our first mortgage and we know it is going to be difficult. We are both not that well clued up on what type of mortgage to go for and also whether or not we would stand…
Probably yet another fixed or tracker thread :)
Hi newbie here. One of my mates referred me to this site. I have a dilemma. I am currently on a variable rate at 5.59% and am looking to remortgage. I have been in contact with my Financial Adviser today and he has informed me of my options. My aim is to get 75% LTV. This is dependant on the lender's valuation of my…
Increase in Service Charge
I have recieved today a letter from my lease holder increasing the Service and Management Charge by almost 50%. This is for the garage area of my property. I bought the property almost 10 years ago and in all that time the only service the company will agree to provide is to replace the lightbulbs in the garage area and I…
50% mortgage and my bad credit history
Ok up until a few months ago I had been living on Incapacity Benefit and over the years had got myself into a bit of trouble with repayments on Provident Loans, Credit Card, Catalogue etc. Nothing too bad in terms of how much I owed but I now can't get credit for even a new sofa. I have landed a fantastic job, amazing…
Whats the multiplier for lending these days?
Evening! Dh and I have always had self-cert mortgages due to our different income streams and self employment, however we are aware that these are now no longer being offered. Our current mortgage is due to expire soon and we were just wondering what was the general rule of thumb for lending in this climate, I am aware…
possible Missold mortgage..
After Re-Mortgaging my home for financial reasons in Feb 2008 I recieved in January 2009 a letter from my mortgage provider. I will cut short what it said but the main points said. "THIS LETTER IS IMPORTANT-ITCONCERNS THE MORTGAGE ADVICE WE GAVE YOU IN Febuary 2008 AND REQUIRES YOU TO TAKE ACTION TO REVIEW WHEATHER OR NOT…
Mortgage for business
Hi all First post so I hope I posted in the right thread.. My boyfriend owns a business.. The business is profitable, but due to high loans, credit card repayments the money in= money out, and the credit cards never get paid (apart from min repayments which cover the interest only). His parents are willing to help...…

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