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Norwich Union / Aviva With Profits ConvOB Endowment
Is this the right place for with-profits policies questions? Ive got a Norwich Union, now Aviva with profits policy I don't understand. And im one of those irritating people who likes to understand things 100%. The history is it was a child's double security policy purchased in 1972 by my dad which upon maturing in 1989…
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New Mortgage for New Build Home
Evening all, I've recently reserved a new build home, and signed the deal for a Part-ex on my current property. I've been given a completion date by the builder (David Wilson Homes) of Autumn! No month, week or date, just Autumn. My broker today applied for a mortgage on my behalf, my question is, is it too early to apply…
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Is Co-Op Lifetime Tracker @ 2.99 a good deal?
Hi, Is this deal any good? It's a no fee 2.99 variable (Bank of England Base Rate plus 2.49%) for the life time of your mortgage. You only need a current account with Co-Op to be eligible? It doesn't appear in any of the best buys pages though ?!?!?! Thoughts please? Thanks, Carl
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Second mortgage with another provider
Hi. I have been searching the web to find the answer to this, and have seen conflicting answers, so I thought I would come here to see if anyone can help. I have a property that was bought for £300,000 I have a mortgage with Alliance & Leicester for £140,000 If I want another £25,000, can I get this from another provider…
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Safeguarding of property interest
Not sure if this is the right place or the right title! Bear with me! My husband and I have decided to separate. At the moment its very amicable and he is looking to move out over the next month or so. Without going into detail, the house is probably worth the same as what we paid for it 3 years ago. My husband has agreed…
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fixed rate
I took out a mortgage for ten years, fixed @ 4.99% for seven years, have been paying it now for four and half years. the payments stay the same every month , can someone explain why the interest I pay each month changes , I honestly thought that it was the interest rate that was fixed, so it should have come down each…
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Picture loan - over valued our house therefore we have negative equity!
HELLO We took out a loan in 2006 with PICTURE, we originally asked to borrow £45000 but ended up with £65000 this is because they said they had valued our house and so we may aswel have the £65000 so we could pay off all other outstanding debts except our 1st mortgage of course. The valued our house from the outside only -…
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LorraineH
I have a mortgage with Santander previously Alliance & Leicester I only have a small mortgage and quite a lot of equity for the property has been valued and is on the market. I would like to purchase another property which I have a large deposit for and want to borrow another £100,000 do I remortgage on my current home or…
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Mortgage provider needing 3 statements
I need my last three statements from bank (Santander) only prob is that I have 1 but after calling Santander it takes 7-10 days!!! Any advice?
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Mortgage and stamp duty
My partner has divorced and her name was on the mortgage of her previous home but not the deeds (her ex bought the house before they were married), whilst I have never owned a property. We are about to buy a house now, but are wondering if we count as first time buyers and so do not have to pay stamp duty, as neither of us…
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First Time Buy - Mortgage/Credit Report Help
Im planning on applying for a mortgage in Aug if everything goes well. I have two current account with overdrafts for a £1000 which are for emergencies only. One current account my wages are paid into monthly and every week a set amounts sent to the second account for me to spend (easy way for me to budget my cash /…
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Mortgage Application - Declaring Current Account Statements - 'Q'
Hi, I've been told I need to declare the last 3 months current account statements. The remortgage (with a new lender HSBC) has been approved in principle and shouldn't be an issue but................... I have 7 current accounts.......................would they know this? Could I give them the last 3 months statements from…
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ftb help please
hiya. we have found a house and applied for a 3yr fixed mortgage at 3.98% from the post office. This is a really good deal but we are now having to pay for hidden extras such as drainage searches, land registry, solicitors etc. The mortgage had no arrangement fee and we have already paid £240 valuation fee. The fee all…
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Remortgaging advise
Had a meeting this morning with a financial advisor and have now got a few questions about remortgaging. Hope someone can help. I have been approved for a new mortgage in principle :jso thats one thing less to worry about. Remortgaging to free some equity to start off again debt free :j I have decided to have a day or two…
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How does porting my NRAM mortgage work?
Hi all, could anyone help me with this question please? We have a mortgage with nram and are hoping to port it. We currently have a total outstanding balance of £88k, around £78k is the main mortgage and there's just under 10k outstanding on an unsecured loan that runs along side the main secured loan. Our current property…
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Virgin One to Fixed Rate Or Not?
I have been with The One Account for the best part of a decade and to be fair despite the ups and downs the account has served us well and as it track the base rate is currently very cheap for us. However, common consesus regarding inflation and interest rates seem to say that switching to a fixed deal now would be a smart…
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Should i fix or not?
I've posted this somewhere else but don't think it gets much traffic there, just hoping for a bit of advice on the following: I have a repayment mortgage, currently on a tracker 2% above the base rate (so 2.5%). There is only one fixed rate I can get without paying extortionate fees, otherwise I can get any number of 2…
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Help. Can I get a mortgage?
I am still named on a mortgage with an ex-boyfriend. We split up around 3 and a half years ago. At the time we had a joint loan, Mortgage and secured loan. As the mortgage was on a fixed rate we agreed that my ex would stay in the property and pay the mortgage and secured loan and I would move out and be responsbile for…
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New mortgage
Hi all, I am about to see what mortgage I could get with my girlfriend( first time buyer, no debts). I already have a home, and ongoing joint mortgage commitments with a sibling..will this affect our ability to acquire a new mortgage? I have a good credit history and have never not paid my mortgage payments. The current…
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Fixed or Variable advice please
My fixed rate is due to end with C&G at the end of July currently 5.39%. I know interests rates are low and would love to take advantage of that as i have missed out for the last 3 years. I want to pay the same amount as i am currently paying which means with a lower interest rate i will be paying more off my mortgage. The…
