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mortgage arrears charges
I know this has probably been asked before but can you claim back mortgage arrears charges from your provider as I have a court agreement with the lender for repaying back arrears owed, but they are still charging me £40 a month for arrears charges. In total there are 43 charges and I have written to the provider and they…
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Tracker mortgage - great rate - can they revoke it ever?
A few years ago signed up for a discounted tracker mortage offering base rate + 0.5% for two years before reverting to base rate +1.1% for the rest of the term. Now, usually, I would remortgage again after two years were up to get a discounted deal again, but, obviously, I wont get better than what I'm paying now…
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The Interest has decreased but the Capital Repayment has increased, why??
Hello, this is my first post so I hope I have placed this in the right place. I am on a variable rate capital repayment mortgage at 1% above Bank of England base rate to be repaid over 22 year (after being interest only for the first 3 years). The interest is calculated on a daily basis. My interest has been decreasing....…
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Self-build mortgages - to sell on?
I have been asked a question by a relative, I have told him what I know (admittedly not much!) and wondered if anyone here could give me more info? He and a friend (potential business partner) have seen a plot of land for sale which has planning permission for two houses (but room for more, possibly four, as it's a couple…
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compensation for a mis-sold mortgage (not endowment)
A company called Cento Client Review has contacted me saying I am probably entitled to the entire original loan plus interest for my mortgage which origianlly was with North of England BS and is now with Northern Rock. Any information about this scheme or company would be appreciated. Linda
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Stuck between a Northern Rock & Hard Place
I have split up with my fiance in which she has moved out of our home in to a rented house in which the council pays half for (as they cannot house her at the moment) with our little boy and she pays the other half, Problem is she needs her name taken off of the mortgage within 6months or the council will not house her,…
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Seperation - What happens to the house??
Me and my partner of 3 years have just split up, we bought a house together, (not married and no children). He paid a £20 thousand pound deposit and we got a joint mortgage for the rest £120 thousand. (house cost £140 thousand). He has also paid about £5 thousand on doing it up (plus we both got a £5000 loan). He wants to…
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Fine line.........FSA
Now.....many MA / FA's have been on this site helping out the dear public with heart (myself too). I have noticed and noticed a fine line or similar theme occurring with this board. How far can you answer a question asked in this board? My main concern now is that many advisors are now giving ADVICE on a regulated…
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Stick with INGDirect BoE + 0.9% ?
Like a number of folk here, I was on a fixed rate deal with ING Direct that recently reverted to their Flexible mortgage that has a promise not to go above the BoE base rate + 0.9% (so it's effectively a tracker I guess). Just wondering what others in this position are planning to do or even what you would do if you were.…
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ftb deposit question?
Hi I am a first time buyer and have seen a property that im quite interested in. I am going to natwest this week for AIP. My question is this: Half of my deposit is coming from my Father. How do we go about this? Does he just write me a cheque and I put it in my bank or does he have to sign something to say he has no…
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Best 'Existing Customer' fixed rates
Following on from another thread discussing the possibility of starting a on an RBS tracker, then switching to the more favourable 'existing customer' fixed rates. Does anyone know of a comparison of 'existing customer' fixed rates? If not does anyone know of any really good ones? RBS/Natwest are : 3.99% for a 5 year fix…
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House Repossessed + £96k debt - Update
Anyone who has been following this post may be interested to know that BBC World Service recently interviewed my family on and I for a series of programmes they are running regarding the effects of repossession on the family. The series is being broadcast for a week starting on Monday July 21st as part of the outlook…
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Help/advice on mortgage
i current have a joint mortgage with my brother which is fixed until may 2010. the flat was bought for 95k and i believe it is worth around 82k now. me and my girlfriend want to move into our own place once the fixed term is up. we will have around 12k savings between us by then. im stuck as my brother has no savings and i…
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Employment History for FTB Mortgage
Hi, I was just wondering what most mortgage lenders require in terms of employment history. I have one going back a while (prior to a month ago though it was up and down as I was casual, but never less than about £600 a month) but I have only been in my current, OK paid job for a month. Is the 6 months that most people ask…
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misselling/surrender value scottish am policies
Hi all I have recently submitted a complaint re misselling of my former scot amicable policy and have been advised by the pru that I have been missold:T. However, i ceased to use the policy to support my mortgage about three years ago following a family windfall we paid off the interest only element of the mortgage but…
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6 Months self employed any mortgages available..
Hi, all i have been self employed now for 6 months and now have a 10% deposit available. Do any of you know if there are any mortgages available with 6 months books I would also be able to supply accountants letters etc.. Any advise very appreciated..
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Mortgages and credit
Could somebody please give me some advice on credit and mortgages ? We (me, my wife and 3 young children) have recently relocated (12 months ago) due to work. The company bought the house off me around Christmas time, but for an amount less than I hoped for, leaving me with around £20k deposit. Before the house was sold I…
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Problems with fixed rate ending
We changed 2 years ago from a discounted to a 2 yr fixed rate deal. Just got all the paperwork out and noticed that it is all wrong. Its says 2 yr on one part starting june 07 but then goes on to say finishes sept 2011 and on another sheet says 5 yr fixed :eek: I have spoken to a member of the mortgage team who has had a…
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unregulated mortgage?
I have been told that i have a unregulated mortgage. What does this mean and is it okay or should this have been changed years ago. Thanks and anyone know which banks do shared ownership mortgages as i only know of abbey(who i am with) that do them Thanks in advance
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Tenants in common
Hi there. For the past 18 months or so, I have been sharing a mortgage with my housemate as 'tenants in common'. I am now contemplating moving on from this property, and would like to know exactly where I stand. I appreciate that my solicitor will be able to provide the best advice, but it would be nice to have a little…