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Fixed Rate ending soon.
My 3 year fixed rate with Mortgage Express is ending next month. I have been trying to find out what my new rate will be. Can anyone help? Thanks.
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Endowment Policy Cash In
Hi, I currently have debt problems and am pretty sure I want to cash in my endowment policy. I originally took it out to cover my mortgage but about ten years ago changed to a repayment mortgage but kept the endowment running. It's due to mature in 2020 and they project it to mature at 24k. I got a surrender value last…
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Misold Secured Loan
Hi I took out a secured loan in 2005 for 15 years £ 27000(180 monthly installments) .PPI of £4000 was added to laon total value of laon became £31000.However on my complaint, PPI was refunded to lender by insurance Co therefore my outstanding loan amount went down.however my monthly payment of £326 still remianed same and…
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Getting out of a Mortgage with an Ex-Partner / Failed Relationship
How do you get out of a mortgage when the other won't sell or buy you out and you can't take on the mortgage loan because you cannot afford to buy them out? I have ended a relationship after 13 years and we were never joined legally or partnered in a civil relationship in any way - just 'boyfriends' living in his property.…
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Rejected mortgage application still attract a fee?
Hi, I applied to for a mortgage a few weeks back. The application was rejected based 2 factors, my residence status and the amount of (lack of) credit I had. Since then I have successfully got a mortgage from another lender. Today I received a letter from the original lender that they will be charging me £150 withdraw fee…
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Repossesions for sale
Hello All, I have been doing lots of research recently into buying my first property. We have a good deposit but because we're not "squeaky clean" customers the deposit will have to be 30%40% of what we borrow. That's all well and good and what I expected. To capitalise on our maoney and to make it go as far as possible I…
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Using credit card to pay mortgage?
Hi, i have a Amex credit card that gives me cashback - is it possible to pay my mortgage using the card without incurring any transaction charges? - i have looked on the amex site to see if i can set up a direct debit with no joy - i am assuming this is seen as paying credit with credit - thoughts/ideas? - note my mortgage…
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endowment claim company help needed
We have had a cold call by a company called £mcas offering to claim against our possibly mis sold endowments. Has anyone used this company? are they genuine? Does anyone know about this company as a little concerned. Any info greatly appreciated.
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advise please !
I've been an avid reader on this site but never posted. I wonder if someone could advise. Approximately 4 years ago I got into some debt issues and went to a loan company to resolve matters. My intent was to borrow the money then 12 months after re mortgage and add the loan onto the balance. Now events stop me doing so :(…
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Is it possible to Remortgage with a DMP?
Hi, I was looking for some advice please. Am currently on a Debt Management Plan and have about £20,000 debts. These debts were accrued during a career change and time as a student a few years ago. I now earn £33,000. I have mortgage for £120,000 with approximately £93,000 outstanding and never missed a mortgage payment.…
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Renting out property purchased on shared equity
Hi, I purchased a Persimmon flat two years ago on a 75/25 shared equity basis. However my personal circumstances have now changed and I am looking to rent the property out. When I contacted Persimmon to get a consent to lease from them (requested by my 75% lender) they informed me that under the shared equity scheme I am…
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Endowment - surrender or keep?
I have had a Allied Dunbar (now Zurich) Adaptable Endowment plan for the last 11 years which I took out along with an interest only mortgage on a shared ownership property. Fortunately I made enough profit to clear the interest only mortgage when we moved 10 days ago. This now leaves the endowment as purely a savings/life…
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Planning on moving - just found out being made redundant in March.
I was hoping someone might be able to help. We have our house up for sale and had been agreed a mortgage in principle based on both mine and hubbys income no problem. However I have found out I am being made redundant end of March. Can I still apply for a mortgage based on both our wages until end of March or not? I know…
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Mortgage for self employed
Hi, I'm thinking of setting up my own business next year. However, I also want to buy a property and as a first time buyer I'm worried this will affect the type and amount of mortgage I can get. Does it affect the mortgage if you are self employed? Thanks
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When to shop for the next deal?
Hi, our current deal ends at the end of June 2011. Just wondering when you guys think we could start looking for the next deal?
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Contract work - how is it viewed by lenders?
I have always worked in permanent roles so its been fairly straightforward applying for mortgages in the past. However, I have just been offered a really good looking job that is a 12 month contract (potentially to turn permanent). How would a mortgage lender view my earnings if I go into this job and the fact that its…
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YBS 5yr fixed offset 3.79% - opinions?
Despite the product fee of about 1500 this seems an extremely good offer for a fix as the offset effectively allows unlimited overpayments. Anyone know how is it is to get this one?
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Mortgage Holiday
I am trying to do up my house and don't have the funds each month to get things complete,this has been dragging on for a few years now,my money goes on mortgage,bills and a high petrol bill as i have to drive 100 miles a day to work.i was going to ask my bank for a 6 month mortgage holiday to get things complete would this…
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House buying - FTB
My partner and I are first time buyers and after having a disastrous first attempt at buying (the house had subsiding movement) we are looking again. Well we have found somewhere which we really like. The problem which leads to my question, is we are under contract for our rental property until the end of march. I know the…
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Moving house
I am after a little advice and some re-assurance. We are looking at moving from Stevenage to Enfield for a number of reasons. We were going to delay the move until hosing market settled down but we do have to move now. We have an offer of £203000 on our house with an outstanding mortgage of £173000, currently on…
