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Mortgages & endowments

Archives for February 2019

95% LTV mortgage- looking to compare notes!
Hi all, We are currently going through a broker for a 95% LTV mortgage for around the 350k mark (London), Our broker came back with the following options: Product Interest Rate 2 year fixed rate 2.77% 5 Year fixed rate 3.09% 2 year discounted variable 2.55% Is anyone else in a similar position? What rate did you get? A…
Broker disappears - can you continue mortgage application?
Let's say that you are dealing with a mortgage broker who has arranged a mortgage with HSBC and everything is proceeding normally, and you've paid for a valuation/homebuyer survey. Then you can't get hold of the broker - he has disappeared completely (with your money). Ignoring for a moment the theft/fraud. You then go to…
Will non disclosure on insurance affect me remortgaging
Hi all, So just over a year ago i made a health insurance claim which when they carried out their checks in my medical file found information which i failed to disclose prior to taking out the policy. Complete error on my part however due it being an unintential non disclosure they still paid out on the claim. Fast forward…
Stamp duty
I am looking to move house and borrow more. I don’t have much savings but have equity in my house, which i was looking will cover a deposit. In terms of paying fees and stamp duty, what are my options? Can I use the mortgage to pay for these and borrow more?
Conveyancing and 'gift' nightmare!
Hi all, Long time lurker here! We are currently in the process of buying a house, all going well up to now... Apart from our solicitors! We have had to provide reems of documentation to our solicitors for money laundering checks. As a bit of background, I work as a consultant in anti-money laundering, so I kind of know my…
Paying off mortgage early, in full
Hi, I've recently come into some inheritance, enough to pay off my current mortgage outright, which happens to end its current fix rate period this August. So i'd incur no early payment fees after August if I chose to pay off the mortgage early. The mortgage amount left to pay is £185K, rate currently at 3.59% Fixed,…
Remortgaging with Barclays
We currently have a mortgage with Barclays. When I log on to online banking there's an option to "switch to a new rate" and I looked today and there is a similar deal, but with a 0.5% lower interest rate than we currently have (its an offset tracker). Does anyone have experience of remortgaging with Barclays online? Is it…
Application declined!!Strange Thing Happened!!
Hello all, please help and advise!! Applied mortgage, everything was fine, gave all documents, broker was positive. Just been told its been declined by Skipton today, and according to broker, is an audit been done and they decided to decline, but they won't share the information with anyone, me or the broker, also they…
Let to Buy and onward purchase
Hi All, Hoping to get some advice here. I and my partner are planning to convert our current home from a residential mortgage to a Buy to Let and release the equity to use as a deposit for an onward purchase. We have enough equity in the property, to release funds for our onward purchase and can afford the additional stamp…
With profits endowments
Evening all What’s everyone’s thoughts on with profits endowments? I’ve just had a 10 year tax-exempt plan with Sheffield Mutual Friendly Society which has returned around £3,700 for a £25 per month contribution over 10 years which I’m pretty happy with. These plans are an extra allowance to the £20,000 ISA allowance and…
mortgage
how do i find out if i had ppi on old mortgages?
Insurance on mortgage
Hi. I am new here so not sure how this works. My question is that when I got divorced in 1994 I took over the mortgage on the family home in my name only. I was told I had to have insurance on the loan and the company the bank pointed me towards was Guardian Finance. Was this something I should have tried to claim back or…
Commercial union homemaker policy endownment
My ex partner and i opted in a life assurance homemaker policy endowment in June 1994 and paid monthly until the house was sold in February 2006 when I separated from partner and resided into rented accommodation. I still have both of our policys paperwork but have no idea what happened to the money and it should have…
Barclays Offset Mortgage
Hi, Does anyone have a Barclays Offset Mortgage? I will be starting mine next month having switched and I am wondering whether I need to open a new current account with them, or whether the mortgage account is the current account. Just looking for someone out there who has experience of the Barclays offset mortgage and…
Clydesdale mortgage
Hello, Our mortgage application is now in with Clydesdale bank, Has anyone had any dealings with them recently? How was the process? I’ve read that they are quite slow so hoping it’s not the case! We signed the mortgage direct debit declaration today. Any advice greatly appreciated. Thanks
Laing Easy Form - Mortgage
Hello, So after a very long journey, we have now found our that the house we want to buy was built with Laing easy form concrete. We want to carry out a building survey and hope that the construction is of good quality but our main concern now is the re sale of the property. We want to buy the house for ourselves and are…
Is this normal?
Hi guys The new build property we are buying got valued 21/02 (Thursday) I spoke to my mortgage advisor today and he said it is with the underwriters now and should hear shortly. Is it normal for it to be with the underwriters? I’m a bit worried now.
Does SA302 exist any more?
Looking to re-mortgage, but the financial advisor needs my wife's SA302 forms for thje last three years. If we go into her HMRC account online, any reference to SA302 takes her to 'tax overview' documents, which the advisor says he CANNOT accept. If you google SA302, it suggests HMRC stopped doing them in September 2017.…
Aldermore loyalty mortgage rates
Has anyone stayed with Aldermore on their loyalty mortgage?
Separating no mortgage can I get a mortgage to buy partner out?
I posted a few weeks ago on another thread my husband has left me after 32 years together - this is around 6 weeks ago. We are still separated with no chance of a reconciliation (he totally doesn't want to). Our boys are adults aged 22 and 19 so no young children. Our house is valued around £140,000 and we have no mortgage…

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MSE News

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Mortgages & endowments

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