Will I pay tax on my endowment policy
I have just received an endowment payout of £34,076 and my endowment was to pay £15000, although originally in 1987 the sum assured on the policy was £30,160. When we realised that there may be a...
View Articleis this solicitors fee reasonable?
Looking to purchase a property in London zone 2, here is a list of solicitors fee: Solicitors fee: £550 + vat Mortgage fee: £100 + vat Charge for processing TT payment: £38 + vat ID search fee: £12.50...
View ArticleNew house? Weird Deal?
Hi Folks, Wondered if someone could help us, we are interested in a new property with Ben Bailey homes and they have offered us an "Advance 95 Scheme" (Just search google for ben bailey advance 95) Now...
View Articlemortgage with defaults?
Can we get a mortgage with 2 defaults? Looking at a property worth £80k, have a 15% deposit, my husband has 2 defaults, 1. default april 2011, was settled in nov 2012 2. default april 2011, currently...
View ArticleHow much info do you declare on a mortgage application?
Looooong story short: we want to buy a property but my husband has two defaults, one from 2010 or so, £300, settled. He also had a default from a loan he got in 2003 - we're not sure if its settled or...
View ArticleMortgage valuation due-what's involved?
Just curious but have a but have a mortgage valuation planned for Monday. Would anyone know what the valuer would be looking for and are there any questions we need to ask? Also will I get a copy of...
View ArticleFTB - how do you set a sale completion/exchange date
We've put in an offer, appointed a solicitor and got the ball rolling on searches, but - due to a small !!!!-up on my part - haven't been able to apply for full mortgage yet. The last point should be...
View ArticleFirst time buyer - Halifax mortgage - stamp duty
Hi all, I'm a first time buyer and have recently had an offer accepted on a flat. I'm already some way down the process and have a mortgage offer from Abbey/Santander but have just spotted the offer...
View ArticleBank Not Playing Ball!
Hi guys, We are at our wits end but are trying to get something sorted before it's too late. First of all I would like to point out we are not trying to just get our mortgage wiped out or walk away. We...
View ArticleAdvice on what to ask for from partner upon separation
Hi all, looking for some advice on what to ask my ex partner for now she's decided to leave me, Setting the scene, she has decided to leave for unknown reasons? We are still friends and I believe there...
View ArticleMortgage impossible?
Hello, I am looking for advice on my current situation. I live with my partner in a rented house currently paying £650 in rent. My partner has a mortgage on a property with equity of around 18k...
View ArticleHow do I protect my Investment when I am not on the Mortgage or Title Deeds?
Hi, Myself and my partner's application for a joint mortgage was declined on account of my credit rating. After exploring all avenues available to us we decided the best option was for my partner to...
View ArticleTrouble at the end of mortgage term!!
Hi there I hope someone can help with my major dilemma. Basically I bought a property on an interest only mortgage..( yes I can hear all the sighs, 'oh dears' and 'that was a silly thing to do'...
View ArticleLump Sum Mortgage Repayment - what are the penalties?
Simple question - I'm about to buy a property and just want to know what penalty I would incur if I wanted to sell it in future and repay the entire mortgage so as to be mortgage-free again (assuming...
View ArticleWithdrawing from a mortgage offer?
I'm after some advice please. We put an offer in on a home back in January, the vendor accepted our offer based on the fact that we could complete within 4 weeks. Well, we were ready within 4 weeks but...
View ArticleFTB - 85% LTV Mortgage (Advice/Broker needed)
Hi, I've just had an offer of 92k accepted on a house, i've got 15% deposit but struggling to find a good deal on a mortgage. The mortgage will be applied jointly in my and my wifes name. We are both...
View ArticleLikely to get a mortgage with a default?
This has been asked before sure but this is my thread and I hope to get a more tailored response to my situation. As title says we want to buy our first home and a resent credit report flagged up a...
View ArticleAny advice greatly received
Morning from a newbie to this site:T A question to to the forum, my situation is about 18 months ago we locked our savings into to 2 high interest accts with a locked in clause. Since we had no...
View ArticleAdvice on paying off mortgage
Hi everyone This is my first post. Have browsed this forum for a while now and finally have a reason to post a first question. I need some advice if you don't mind. Some details first: 1) I contract in...
View ArticleHelp to Buy Nat West
Hi All, As I said in previous posts my fiance and I are looking to buy a home with help to buy in the next few months. Initially we were looking at Halifax as they were the main (or possibly only!)...
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