Mortgages & Endowments

A question about : Warning

Hi All

I just wanted to vent some frustration and let you all know please never even consider using Wolstenholmes Solicitors LLP!!

A question about : Northern Rock End of Mortgaged Deal (Merged Threads)

I'm currently on a 5.99% capped rate with Northern Rock, due to expire in Jan 2009.

I know they don't want the mortgage business right now as their rates are incredibly uncompetative. What will happen now that the bank has been nationalised?

A question about : Report Endowment Misselling Compensation SUCCESSES

This thread is especially to report your successes taking on the banks/insurers to get compensation for missold endowments.

The aim is to show others that it is possible and it works.

Please report your successes here, if possible in the format

Bank/Provider:
Compensation:
The story: (just a few sentences)
Read the article

A question about : One Account rates cut

A question about : My Excel mortgage spreadsheet

Hi All

A question about : NEW Mortgage Exit Fees Discussion

This discussion relates to Martin's updated

Mortgage Fees Article
(see old discussion thread here)

To discuss or ask a question about the article: click reply

To report your experiences go to the Mortgage Exit Fees successes and failures thread

Extra Note - We have had lots of comments about what is and isn't included as a MEAF. The article has been updated to include the following text:

What a MEAF isn't.... don't get it confused

A question about : Offset Mortgages -- the Numbers

Official MoneySavingExpert.com Insert: We now have an Offset Mortgage Calculator that should help with this.

Back to the original post....

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This seems to be discussed a lot recently, on this board and the debts board.

Lisyloo did a calculation a while back that showed you needed to have 48% of your mortgage amount in savings, although this was based on certain assumptions about relative rates.

A question about : Martins View On Using Mortgage Brokers...

Hi,

As its often debated here 'to broker or not to broker' I thought I would briefly lay out my thoughts.

The right broker is a big benefit. Far better to go to a broker than direct to one lender who will simply try and flog you their own mortgage. They will look after the market and possibly bring you better negotiating power Overall I'm a broker fan!


Of course there are ifs and buts. The two key questions to ask a broker are

are you whole of market?