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Mortgages & endowments
Archives for January 2015
Discussion List
Mortgage & Secured Borrowing
So I stupidly bought my house in 2007 when the housing market was very high. I also bought using 100% NRAM mortgage & took a loan on this mortgage. Young & naive move! It went significantly into negative equity. So I've been overpaying for a few years & making good progress, but think I'm now just back into balance as far…
remortgage?..nram
Hi all please bare with me . Ive just recieved my nram statement. Ive been paying my mortgage for 10 years now. Last couple of years varitable as they woukdnt remortgage it to a fix rate as i left work to have my children . Intrest rate of 4.89% which is adding 200 pound back to the mortgage out of every 400 i pay 😕 My…
Hypothetical question - pay of mortgage or not
My husband and I are disagreeing on whether or not to pay off the mortgage. We have enough money in savings to clear our mortgage. Currently we have or had the full amount in premium bonds (limit has now increased) which whilst the mortgage rate is low I am happy to leave in situ. We also have a lump in savings offsetting…
Anyone do Online Mortgage Offers ?
Is there any company that would make an offer of a mortgage to someone doing it all online ? Just need to show Estate Agents a mortgage offer on the table before they will listen to first time buyers ..... Our daughter. If not who might give the best multiple for her income of around £20kpa , no debt or other relevant…
VAT on Solicitor's Telegraphic Transfer fees?
I realise that against all the other costs of buying and selling this is a small cost, but is it usual/necessary for solicitor's to add VAT to the already high telegraphic transfer fees they charge for moving money to redeem the old mortgage, to the seller's solicitor, and to transfer any excess back to me? My solicitor is…
Spending on credit card.How quick can bank find out.
I am about £5,000 short in my deposit so intend taking this out in cash amount from a cashpoint using my credit cards and paying it into my bank account to stop the bank from knowing that it has come from a credit card. I can repay the money in full in 6 weeks with no issues at all and am aware of the fees.. My question is…
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