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Pearl Endowment missold??
Hi I am a complete novice and really don't understand complicated jargon so please be nice. I have a pearl endowment policy due in 2017 for £38,000 target this is made up to this with the pearl promise as it has not made enough and in April 2001 pearl did this..However my question is do you think this could have been…
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Parents Mortgage Advice Needed
My parents bought their Council house approx 6 years ago. In my view, this was about 20 years too late, but nevermind, they took the plunge eventually. As they were around the 62 years old mark when they applied for a mortgage, lots of places wouldn't entertain them or would only give them it over 10 years, but eventually…
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Firstbuy Scheme (shared equity)
Does anybody know where I can obtain a list of Mortgage lenders who are offering mortgages on the Firstbuy Scheme?
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Reposession, help, please.
I had no idea where to put this, so please feel free admin to move it if need be. We are with Santander for our mortgage. We had a financial issue whilst my husband was out of work, after being made redundant and we got in arrears by about £1700. Santander transfered our account to a solicitor (Hamlins, London) and we…
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De-linking Nram Together Mortgage
Morning all Back in 07 my other half and his friend used a together mortgage to buy their first home (although both claim they weren't aware that it was a risky "together mortgage" at the time). 5 years has now past and both want to move on with girlfriends etc. We're looking to buy his mate out and have looked over the…
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Totally overwhelmed, need urgent help!
My problem is twofold. I recently applied for a mortgage as a first time buyer, having had an offer accepted on a house. Although I would have applied for a mortgage before, my mortgage adviser told me is was best to leave it till I had a property in mind before applying. I already have a defaulted payment on my credit…
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endowment help
our endowment matures in june 2012 we have a gsa of 11800 bouness to date 9000 we have ask our endowment company many times what can expect to get but no joy would any have any idea what we might get many tks
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Poor credit/expat seeking small mortgage
Hi there. In need of some advice. Was wondering if anyone knew of a broker/lender who is legit and specialises in poor credit mortgages. I have one default on my credit file. Fully settled one year ago for 800 pounds. Just to complicate matters I am also working overseas but am returning to uk in June and would like to buy…
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FTB - Got Deposit - Self-employed - Where I'm up to
Hello MSE gang, Firstly thanks for taking the time to read this. All your help is really appreciated. I'm 26 and nearly ready to buy a house. At least I think I am. All my preparation seems to be going swell so far but now I'm looking for advice as to take it onto the home straight. - Employment. I'm 22 months…
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Stamp Duty, when is this paid and can you take equity out from current house to pay?
Stamp Duty, when is this paid and can you take equity out from current house to pay?
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Increasing mortgage whilst other half on maternity leave
How do mortgage company view this?
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'Fast track' mortgage with Abbey - our experience
Just thought I'd share our recent experience of trying to quickly get to mortgage offer after problems with our original lender. Nationwide - boooo. Our broker recommended a few options including Nationwide. We went with them as we are current customers of theirs with many years of unbroken payment history (in fact quite…
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Getting a mortgage with various different income sources
Hi, I'm in the middle of a divorce and am trying to take on the mortgage on the family home. I'm only trying to borrow about 16% of my home's current market value, which is about twice my annual income. Have approached several big lenders and tried going through a financial adviser, but noone will lend because my income is…
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Live In Landlord Debts
Hi everyone. I have been living in shared accommodation as a lodger for the past few years while I save for my own place as an FTB. All well and good, nice deposit saved, no debts, excellent credit rating (I would expect) etc etc. Looking to buy in the next 6 months or so. However, it seems that my live-in landlord has…
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Mortgage Problems Upsizing To Bigger House
Hi everyone i would like to share my concern and hopefully i can get some advice back. i'm in a 2 bed house( bought 2006) with my wife and 2 kids,we are expecting a 3rd in sept 2012 so we need to move to a bigger house with more space. we had our house valued at £155,000 and found a 3 bed for the same price, i rang up the…
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Adverse Credit Remortgage
Hi - our house is too small for us now but nobody is buying at the moment. We have someone who is willing to rent our flat and that will allow us to rent a larger house but we have an NRAM mortgage and was wanting to remortgage as a buy to let so we can pay off outstanding debts and start afresh but I do have a bad credit…
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Setting up a mortgage with the Bank Of Mum & Dad
(Sorry if this question has been asked before...I did do a search) My parents have offered me the chance to borrow 90k from them for my house purchase...this is on top of a 30K gift towards the deposit. I'm bringing in 40K. They want to see a return of 3% per year on the mortgage amount, and I'm looking to finish the loan…
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Mortgage Calculator - Ability To Enter No of Months
Hi, Anyone know where I can get an online mortgage calculator where I can enter the mortgage duration by number of months as opposed to years? Thanks
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Now I am getting worried! FTB woes
Me and hubbie buying our first home. Offer accepted last Friday, conveyancer instructed Saturday and he has done all of his checks etc now. We are waiting on the sellers solicitor to send our solicitor (conveyancer) the contracts. There is no chain other than us and vendor. Vendor is buying a retirement flat - new build,…
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Off-Set Mortgage advice
Hello all, Im coming to the end of my first fixed term on my repayment mortgage and am considering my options once I am able to perhaps change mortgages. My situation isnt great with regards to LTV as I will still owe the bank around £122k after the 3 years fixed repayment mortgage ends (I bought property for £132k), I'm…
