Thats me stuffed
Ive just got a final value on my endowment, taken out in 1991, so apparently its out of the jurisdiction of the finanancial onbuds.I tried for compensation. It should have made 51k,surrender value...
View Articlenationwide lifetime tracker
im currently on a nationwide lifetime tracker br +0.44% that i took out in march 08. As i understand it i can't make more than £500 a month in overpayments but from march i can pay more. Now for the...
View ArticleStandard Mortgage to Buy to Let
My current lender Norwich and Peterborough part of Yorkshire building society I think gave me permission last August to let my property which I have managed to do. This permission expires August 2013...
View ArticleAdvice on "re-mortgaging" with same lender please!
Hi all, We're FTBs who have been trying to get our heads around mortgages for a while now. It's slowly sinking in, but one clear answer I'm struggling to get is on "re-mortgaging" with the same lender....
View Articleinterest only mortgage
Hi there hope someone can help in a difficult situation. We have an interest only mortgage which we took out when we moved into our new home 5 years ago. At the time my husband was earning good money...
View ArticleMortgage or Personal Loan
Newbie looking for some helpful advice please. I have just started to dip my toe in the murky waters of home buying. Renting at the moment. Living in Edinburgh looking to buy in Lothians or Fife. I...
View ArticleFixed vs tracker?
I have 2 mortage options: 2 year fixed 3.79% with no arrangement fee 2 year tracker at 3.29% above base with no fee (so currently 3.79%) I'm thinking that trackers only come into their own when there...
View Articlex2 lender declines...pick the keys up this morning
Just wanted to report on some good news, forums are normally full of issues, with a mortgage application. I was after a £100k mortgage and had a ccj and a default on my file and had 2 rejections with a...
View ArticleNo mortgage remortgage
Hi, I am a married man, I own my own home outright, in my name only. I want to remortgage, or similar to access the capital in my home. Would it be possible to sell the house to my wife, taking it that...
View ArticleTransferring a mortgage
I am self employed and had my current mortgage with C&G for around 5 years. I wanted to transfer it to a new property [exactly the same mortgage with absolutely no changes - time remaining 3+...
View ArticleEquifax credit rating issue
Hello All Wondered if anyone had any advice on this issue. Equifax is not listing my credit cards or other credit agreements that I have on my credit report. This is having quite an impact on my credit...
View ArticleL&G endowment - amount paid today
In case it is of interest to anyone out there, my 25 year L&G 'with profits' endowment policy has just matured at £26,509. The mortgage target was £34,500 and I have been paying £63.80 per month....
View ArticleIncreasing term issue
I spoke to my bank and asked if I could overpay my mortgage each month temporarily and not on a permanent basis. They sent me out a form. I signed the form but added to the form that this is not on a...
View ArticleFirst time buyer with a 5 year plan
Hi All, Hoping some of the more experienced home-owning MSE members and savvy property investors can provide some guidance. I just need general advice on how to best use a sizable deposit to getting...
View ArticleMortgage affordability help!
Let me give you some background (this will be long, sorry!) Bought our house in 2004 through local housing association shared equity scheme (50/50). No rent is payable on the HA share, we simply split...
View Articleis it cost effective to move from hsbc 3% to 2.79%
hi i borrowed 51k over 12 years paying 421 per month back its a life time tracker at 2.49 + .5 boe rate so 2.99 % i can over pay and switch to any mortgage apparently. so hsbc now offer a 2.29 + 0.5...
View ArticleHSBC Requiring Structural defects warranty for converted apt remortgage -
Hello, I'm trying to remortgage my flat which was converted in 2006. I just got off the phone with HSBC who have said that they will require a Structural defects warranty as it's been converted within...
View ArticlePlease help - big deposit fair credit
Hello - please help. Am really worried as am trying to get a mortgage jointly with my partner, just been declined by Barclays. Deposit is £100k, house is £210k so good loan to value ratio. I have CCJ...
View ArticleSelf build question
The opportunity has come up to possibly get a but of land with outline planning permission for a 4 bedroom house and I am sorely tempted to have a go at getting my dream house this way. Obviously (to...
View ArticleNationwide mortgage application process
Hi all, I had a meeting with my mortgage advisor on to get my mortgage application sent. He either sent it Wednesday evening or Thursday morning. I've then recieved text messages following the progress...
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