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Pearl Assurance 10 Year Plan
Hi My parents have a "Saver Plan" Endowment Assurance with Pearl. Taken out in 1999 it matures in Jan 2009. It cost £30 per month and they are now 71/68. Is it llikely to return the £3600 invested or is it a dummy? Thanks GG
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Urgent Assistance needed
Guys We really need some advice... Credit cards in excess of £30k, loans - £50k, mortgage £180k on a flat valued at £150k (Yes Northern Rock Together) Debts from a business that failed yet repayments we cant afford. I lost my job 4 months ago losing £2500 a month and cant get work. Other half is a teacher, has secured a…
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Cheshire building society
Our fixed mortgage ends in three weeks, wife rang the cheshire today we where offered 7.09% !:mad: on our mortage we've been with them 14 yrs we have excellent credit missed no payments. Any recommendations we do have another mortgage with them which the fix rate ends at the end of October. I'm puzzled on what to as we…
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Remortgaging & House Valuation
Hi, I posted a question on here the other day regarding mortgages and people were very helpful so I have another as my situation has been updated!! We bought our house in Nov 06 for £165,000. We took out a mortgage with Nationwide for £147,200 on a fixed term for 2 years at 4.88%. As our fixed term is due to end in Nov we…
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HSBC - Homestart mortgage or any HSBC mortgage - help!
The situation is we are on a variable rate (fixed rate ended last Summer after 2 years) but didn't renew as was selling the house so didn't want huge redemption fees to pay. Two house-sales have now fallen through so we've taken it off the market and given up! We are happy with the variable rate as its actually worked out…
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abbey new mortgage offer advice please
Hi all, I'm looking for some advice on the following I am currently on a interest only mortgage with Abbey and my discount deal is coming to an end this September. I have spoken to Abbey to see what they can offer and they have come up with a fixed rate 6.39% with arrangement fee £699 for 3 years. At this point I want to…
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Stay on Lender's Standard Variable rate - good idea?
:mad: Hi all. Our mortgage deal comes to an end in a few months and we will owe approx £46000. We are currently with Halifax on a tracker (base rate + 0.64%). The deal was for 3 years with a 10 year term. So we still have 7 years to go on the term. Quite a good one I know but I have a dilemna!! We want to reduce the term…
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End of mortgage in 3 months time
I had an endowment policy and this has paid out what is needed to clear off the capital part of my mortgage. Currently is is in premium bonds and a savings account. When I get my formal notification from the Building Society to pay off the capital, are there any tips or traps I should be aware of?
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Are you trying to get FHA mortgage loan?
FHA refers to Federal Housing Administration .These FHA loans are backed by the full faith and credit of the government, which typically allows lenders to offer mortgage products at a lower, more affordable interest rate. FHA requires a minimum 3% down-payment and is good for those with 20% or less to put down. Fixed and…
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scarborough bs - fixed @ 6.09 new deal today
any1 looking for fixed rate her a new deal today below hope this helps http://www.moneyfacts.co.uk/mortgages/bestbuys/5-year-fixed-rates.aspx
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Joint mortgage advice please
Hi, Any advice would be appreciated on the following: We are looking for a joint mortgage in the near future. It is not a first time buyer mortgage as my girlfriend has owned before. The problem is that i have self-employed for the past 2 years. I have good proof of income through tax returns etc, but don't use an…
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Remortgaging in negative equity
My daughter bought her first house in September 2007 with a 100% mortgage fixed for two years. She is already in negative equity. Can anyone advise what she can be doing now to help get a new mortgage next year please?
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Incompetent HSBC
Hi, I've been given a mortgage in principle from HSBC, I completed this over the phone (on the 2nd July) and the advisor said they would send out the paper work for me to sign and return. As long as I returned the paper work within 14 days (16th July) the interest rate would be secured. Upon not recieving any paper work…
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Buying a house
Hi I know that everyone is running around spouting about this credit crunch, But my boyfriend and I are actually in a very comfortable position (after a few years of studying, working and saving). We have no debt and are planning on buying a house. We have decided to wait till next year to buy, possibly end of the summer…
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halifax mortgage advice led to poor credit rating
I will try and make it brief and save people a long read, more info can be added if requested. Basically about 2 years ago I went from weekly pay to monthly pay. Rang up Halifax to sort out date change to end of month. Was informed that Halifax last day of their calendar month is the 28th of each month. Fine, but I get…
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Advice - negative equity & other issues!!
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Paid Up Endowment What are my best options
I have a 'Paid Up' with profits endowment with Swiss Life currently worth £20,000 and due to mature in 2013. I paid off my mortgage in 2000 (and made 'Paid Up') and have been sorting through my paperwork and am now wondering if its a good option to surrender that value now and re-invest/save or wait another 5 years when…
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abandond endowment
We stopped paying our endowment as we could not afford the payments due to unemployment in 2001. Legal & general would not negotiate they wanted the arrears and the monthly payments as well , as we could not afford to do this they they wrote a letter stating we could claim an amount of around £4,000 but it is subject to…
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"whole of market" mortgage brokers
my mortgage deal is due to end in September. Have already tried current lender and was shocked by how much it was going to increase (was in a discounted variable deal, not fixed). Does anyone know of a whole of market mortgage broker, preferably fees free? have just been watching Martin Lewis on TV and this is what he…
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Martin on GMTV today....
Agreed with most of the points today, as advisers we have been campaigning against direct to lender deals for at least 6 months as it makes a mockery of the whole of market service. I'm glad to say recently in the last 4 weeks these deals seem to be diminishing. This type of aggressive selling by the banks has actually…