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ReAssure not paying out my endowment.
Hi, can anyone tell me if ReAssure are in trouble? 25 yrs ago I took out an endowment mortgage. While I managed to pay off the mortgage last year, the endowment matured 1.4.16. I sent all the forms and proof of ID and phoned, just to make sure everything was complete. They said money would be transferred in 4-5 working…
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Offer accepted - what next?
Hello, We have just had our offer accepted on our first house. Our mortgage advisor is really on the ball and has confirmed the offer with the EA, got a quote from his solicitor for our legal fees, found two mortgages that will be suitable and also told us what documents we will be needing. I have a couple of questions!…
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Should I use the Estate Agents mortgage broker?
I don't want to go into detail about the branch or anything, but we are using Countrywide Mortgage brokers which we found through our estate agents, Gascoigne Pees. I was just wondering if anyone else has used them and if they were any good? (I probably should have researched this more prior to agreeing to use them, I…
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Not a first time buyer but wanting to get back on the housing market
Hi .... So myself & partner previously have brought 1 other property together ... Which we sold ... Long story short, somewhere else was lined up to buy .. Fell through & we started renting - fast forward 5-6 years later & we are starting to have a mini panic .... Not been able to save as renting & we are living in a area…
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Debt Managment & Mortgages
Hi, I'm in a debt management program and live in an ex-council concrete high rise. I would like to remortgage to pay of my debts and purchase a buy to let. Has anyone got any ideas on how difficult this will be?
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Re-mortgage Completion Statement figures
Hello, I have recently re-mortgaged my property with Platform from Santander. I have used a broker and the solicitor was appointed by Platform. A broker and then an admin fee was paid. Completion was arranged for the 4th April 2016 which was the last day of Santander's 2-year deal so to avoid Early Repayment Charges.…
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Fee to leave a mortgage
I took a 5 year fix with Santander a couple of years ago, at the time I told the mortgage advisor that I would likely be moving house in the next 2-3 years, she said this wasn't a problem and the mortgage could be ported without paying a fee. We have been looking over the past year for a specific type of property, so ours…
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Moving on
Hi, I'm thinking of moving in with my girlfriend. What would happening if I didn't tell the bank and rented out my flat?
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Mortgages on benefits
Hi guys I know some mortgage companies accept some benefit payments to count towards income but do any offer small amounts ie like £30k if you're entire income is benefits? I have £25k equity in the bank after selling our ex marital home and really want to purchase a shared equity. However where I am I'd need about £50k…
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First time buyer with Anxiety
Morning all, Me and my better half are looking to buy a house soon. Basically im looking for anyone with experience to perhaps give us some advice / dos donts etc. I have talked to my parents however some outside opinions would be great. Obviously having anxiety (reducing anti depressants so its on its way back to normal),…
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Getting a mortgage!
Can anyone share advice or help. Both my husband and I had some minor defaults which are now all settled, They are a few years off before they will come off our credit reports. We have also just paid off the last part of our car finance, No credit cards. We both have good longstanding jobs and a 10% deposit for the price…
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Mortgage and late credit card payments
Hi, I currently have a mortgage in my sole name on a property I bought before I met my husband (which we now both live in). We are hoping to get the house on the market and move to a bigger property in the next 12-24 months. My credit history is impeccable and I've never had any issue obtaining any sort of credit. OH has…
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New Stamp duty help
I currently have 2 properties that I rent out, I live with my boyfriend in his house. We are looking to sell his house and buy together. Do we have to pay the extra 3%? If we do have to pay the extra 3% because I'm not currently listed on his deeds, can I pay it by moving onto his property deeds and then not be eligible…
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I'm a Mortgage Misfit
Hello. I'm a newbie to these forums and decided to make a new thread as I cannot seem to find another one (on this forum or online in general) that accurately reflects my situation. My partner and I are looking to buy our first home very soon, we have a 15% deposit saved for the house we are looking to buy and…
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Mortgage LTV
Hi, I think I know the answer to this question, but would be grateful for confirmation! My husband and I are looking at a house which is valued at £425,000 but sellers will accept a price in the region of £345,000. If the sale of our house goes through as we hope, we should have a deposit of £15,000 - £20,000. Will…
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Mortgage on new house
We are looking at buying a new house . My current mortgage is 78k over 27 years. I have some savings so want to buy a bigger home . The cost of the current home is 115k and the new home would be about 165k . My mortgage payments will only be on the 78k as I don't need to borrow more. Will I get charged anything for this? I…
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Remortgage and adding my wife
My 5 year fix will be comming to an end in a few months, the house and mortgage is only in my name, is this the best time to add my wife, I should have done it initially but at the time for some reason we didn't. I assume it will involve solicitor, also hopefully no stamp duty payable. My current lender is co-op, don't…
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Stamp duty help
Hello all. Hoping someone can help explain the new stamp duty rules... Me and hubby both own houses and both are on permission to let so neither are our main residence. We live in rented as needed to be closer to his family however market was poor at that time hence put both on ptl and we rented. We now want to buy a house…
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Let to Buy vs new 3% stamp duty surcharge
Hi guys, Just to tell you my story first... I had previously been a council tenant and have bought my property from local council under Right to Buy in 2013 receiving 50% discount. In order not to loose any percentage of the discount received I can not sell the property until mid 2018. My personal family situation has now…
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First Mortgage Deposit
Hi all, Me and my girlfriend and currently living with my girlfriends parents to save up for a deposit on a house. We want to move ASAP and are saving up for our deposit. To help with this, I was thinking of selling our car and getting a new one on PCP. We were going to do this anyway after moving into a house, but thought…
