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Old endowment
I used to have an endowment policy attached to my mortgage many years ago that I stopped paying in to, i've since lost all details of who it was with. Does anyone know if there is any way I can trace it and find out if I can cash it in?
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do you pay in advance or arrears?
do you pay in advance or arrears with the bank of ireland (or bristol and west as you use to be) does anyone know? i sold a property recently and am just trying to work out whether they owe me anything?
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Mortgage for Ex-Bankruptee
Hello All, This is my first post on here, so please be gentle! I am living with my partner who has a mortgage of £275K, on a house worth £385K - so he has 30% equity in the house. The problem is that his ex-wife is also on the mortgage, when the finances go through she will be taken off and he will not be able to afford to…
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Mortgage advice needed
Hello, I am new to this forum and I am needing advice on where to find any good mortgage deals and your opinion on whether or not me and my partner are in a good position to be accepted for a mortgage. We have a £30,000 deposit and are looking to buy our first house for around £100,000. I am currently on maternity leave…
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endowment ins data protection breach
hi, was hoping someone can help. took out an endowment insurance policy 20 yrs ago it has just matured but during the paying out process it came to my attention that the company had made a series of errors and revealed all our details to another person.this person was able to breach security on several occasions and was…
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Mortgage Help
I have recently been signed off work is there any help or advice anyone can give me on financial assistance as I am going onto SSP is there any help out there. Thanks
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Seeking Independent Financial Advice
Hi, What is the best way to seek out 'Independent Financial Advice' specifically for mortgages. I'm considering a 'Let to Buy' approach to enable us to move house but need some financial advice on the viability. I've 'googled' IFA's but I'm not getting far. Are there any websites that list IFA's and what they specialize…
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Lucky Northern Rock borrowers
Some lucky people..... http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9738285/Northern-Rock-to-repay-270m-due-to-paperwork-error.html
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Halifax criteria
This has changed recently;- Anyone notice when it actually changed?
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Show me the way :-)
Good morning :) could I please ask your advice on which way you would go if you were me. 12 yrs left on a Northern Rock , now Virgin Money repayment mortgage fixed at 4.09% for the next 3 years at a cost of £807 per month total of 91k owed, 7k of that on a secured loan house value at present approx 190k based on others in…
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Ex Council High Rise Mortgage problem
Apologies if this has been asked before - my daughter has had her ex council flat on 10th floor for around 9 years and has a mortgage with Mortgage Express (Bradford and Bingley) She is in the process of selling as she now has a baby and needs a house. Having found a buyer and accepted their offer a while ago it now…
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First mortgage..just don't no where to start!
Hiya everyone, Will appreiate any advice given :) Due to my partners credit rating we have only been able to get one mortgage offer and we have a choice between ; Stepped Discount for 3 Years 412 4.29% (Year 1), 5.29% (Year 2), 5.29% (Year 3) Over all ; 5.50% APR 90% Yes Scheme fee; 1.00% 0.50% Discount for 2 Years 414…
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Equity in buy to let.
Hi folks after some advice please. I own a btl property value £135,000 approx.The mortgage outstanding is £69,000. There is no other charge on the property. The mortgage has 14 years to run current repayments are £489.06 per month, 2.45%interest. The rent is £650 per month. Is it possible to borrow on the equity of a buy…
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Help .. Mortgage and Associated Items
Hi .. New to the site I am wondering if anybody might be able to help in 2001 me and my wife bought our 1st house, we spoke to the Bank direct and used their own Mortgage person. Not knowing anything about Mortgages i said i just wanted a fixed monthly payment so he sold us a Repayment Mortgage that was a Base Rate Tracker…
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Time to Remortgage
My OH and I have been in our house for 2 years in May 2013, and its time to remortgage. We had a bad deal first time round. Details are as follows: Purchased house: May 2011 Purchase price: £185,000 Mortgage Value: £157,000 LTV = 85% Deal: Fixed for 2 years at 5.09% with Santander Payment: £816/month (on top of this we…
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Mortgage under one spouse's name only?
My husband and I are looking to buy a house, but I have a poor credit history. I have a recent CCJ on my credit file. The CCJ was - in my opinion - unfair, as the company in question had been sending mail to an old address even though I had informed them that I no longer lived there. However, after spending considerable…
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Mortgage Advice
Good evening all, I am hoping to purchase a 50% of a shared ownership property in the near future and will require a mortgage of £70K, (I have a 30% deposit in place). My initial thought (pending approval) is to go for a 5 year fixed rate deal and hopefully overpay where I can. What are members thoughts on this strategy as…
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Second mortgage question
Hi, I am interested in buying a house and would like advice on getting a mortgage for this. I would be looking for a house with value of about £160,000 and I have £40,000 deposit. I am in full time employment with an annual salary of £44,000 + extras. I already have a mortgage on another house which I currently rent out.…
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Mortgage - help
I have a few defaults on my credit history that have all been settled. My credit score was good, however I was advised to get a credit card to obtain some "good credit", I have been informed that the score should go up after a few months. Is it unlikely I will be able to get a mortgage? Is there somewhere I can go to…
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living in 1 bed flat with 14 month old baby possible mortgage rescue? any experience?
Hi Guys this is my first post and I am really after some reassurance or advice to stop me feeling stressed up to my eyeballs :/ Here's my story in brief; Live in a 1 bed flat with my 14 month old, havent returned to work after maternity leave, have lived here for 5 years have a part mortgage on a 25% share & rent the rest.…
