Finding the best mortgage deal

Advantages: make a better mortgage choice
Disadvantages:

...Where to find advice and information for finding the best mortgage deal. There is a dizzying array of mortgage deals and offers available and it is very easy to become confused about what exactly to look for, who offers the best deal and what extra costs you are likely to face so just where should you start? I want to be clear from the beginning that this article is not designed to advise you on a specific product but rather to help you think about what you want from a mortgage and how to locate the information you need to get some expert financial advice. What do you want from your mortgage? Perhaps the most important thing to identify is what you want in a mortgage do you wanted to have a regular idea of your monthly payments in which case pursuing a fixed rate mortgage may be appealing, or perhaps you are happy to risk...

tastymorsel 08.03.2007 · Read review
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Review of Member Advice on Choosing a mortgage

Deal?

Advantages: entertaining viewing
Disadvantages: the show is dull once the contestant has dealt

...Deal or No Deal is one of the most popular game shows on television. A channel four production and presented by Noel Edmonds the show involves twenty two contestants, only one of which can play during an episode. At the start of the show a contestant is selected at random to become that day's player. The player then takes their box to the table in the middle of the studio and assumes their seat in the playing arena. After a brief introductory chat with Noel they begin to play the game. The aim of the game is to go away with the highest sum of money possible, which is £250,000. This is achieved by opening firstly five of the boxes assigned numbers 1 -20 around the studio to reveal monetary values inside which obviously can't be inside the contestants box (east wing and west wing). When they have done this the banker makes them...

beanie8844 11.09.2008 · Read review
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Review of Deal Or No Deal

Halifax Mortgages

Advantages: good for 1st time buyers
Disadvantages: did not offer a good rate after fixed term ended, overcharge customers

...saving for around 1½ years before we bought the house and due to being first time buyers we were given a 5 year fixed rate mortgage and including insurances such as house and building contents, payment protection etc we were paying around £480 a month for a £60,000 mortgage (which at the time was the best offer with an interest rate of 6.5%). Not realising at the time, as we were happy that we had been offered a mortgage, we had no choice but to take the 5 year fixed rate as we had put down a large deposit on the house. Had we just paid a 1.5% deposit as first time buyers we would have been offered a 2 year deal instead, which in hindsight wasn?t fair as we were being penalised for actually saving money towards the house. Everything was fine with our mortgage throughout the five years, payments went out of the account on the date it...

sweetdaisy 21.10.2006 (19.08.2007) · Read review
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Review of Halifax Mortgages

Mortgages, Mortgages & Mortgages

Advantages: Not many unless you like parting with ££££
Disadvantages: Loads of errors, poor communication

...We have just terminated our Mortgage with Mortgages Plc at the end of our one year fixed deal. We had to go down the route of self certification as my partner had a job which paid heavily on commission, making it difficult for a high street lender to give us anything more than 65% loan to value. We went through a broker and he came up with a deal through Advantage Home Loans, a sub company of Mortgages PLC. The deal itself was OK, we had expected a higher rate for self cert candidates, it tied us in for 1 year. We thought the quote was good enough to continue with and we propmptly found a place and put an offer in, we got a quote again for the amouts we would be paying per month from Mortgages Plc, the quote seemed fine, we could afford it and it set out their charges which they informed us could be added to our final loan amount...

memphisto_chick 12.02.2006 · Read review
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Review of Mortgages Plc

deal or no deal

Advantages: great show
Disadvantages: none

...Deal or no deal is my favorite game show, it is currently on channel 4 early in the evening or late in the afternoon for some, i love watching this and find it very entertaining. The show is presented by Noel Edmonds and is filmed in Bristol. The show starts with 22 contestants choosing randomly one of 22 boxes that all have a money value inside but have been sealed previous to this so no one has any idea what is in there box. One of the 22 contestants is selected to play deal or no deal where they have to play through rounds selecting boxes to be opened in an attempt to eliminate the low numbers listed in blue and keep the high numbers hopefully winning the top prize of £250,000 and not going home with the 1p although there are more people in the 1p club than have won the big prize. In the first round the player gets to...

danniell 18.04.2009 · Read review
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Review of Deal Or No Deal

Do a deal to miss out on this particular one.

Advantages: See text.
Disadvantages: See text.

...Ii would just like to write a review on Deal or No Deal, that truly (ummmmmmm) so-called wonderful game that is currently being shown somewhere on Channel Four. OK OK I have checked, it is shown weekdays between the 4 and 5 pm time slot (usually for anything between 45 ? 60 minutes in total) and generally on Saturdays as well but of course these times can change dependent on what else Channel Four is showing. There are as always endless repeats on cable/ sky, so watch out for them! Hosted by that ever popular; ever loved person who can only really be described as Noel Edmonds, the format on each and every programme is the same. At the start of the programme, 1 person is picked out of the 22 who are in the studio to sit in the famous chair in order to play the game. All 22 players are given a box with various cash amounts in it, from...

dynamicnurse 08.12.2009 · Read review
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Review of Deal Or No Deal

mortgage

Advantages: none
Disadvantages: very expensive and our always delaying by 2 months plus ? joining they interest rate drop

...hi every one heres the snag iv got 2 mortgages kensington & capital home loans kensingtons mortgage £233.000 im paying £833 a month capital home loans £296. 500 im paying £433.00 a month im also in a tied in for 3 years with kensington wich ends in december thank god £14000 charge if id of sold before my 3 year contract ended as plus they dont allow you un der no circumstances to be able to draw down off your property no matter how much equity you.v got also there lack off comunication . so in a nut shell big deposit ? high rates compared to other lenders? impossible to draw down ? and if you should lose your job ,and youv built a lovley extension on your house your shnucked, they cant even get repossetion prices.{1} my advice dont go self cert .{ 2} if you.v got a big deposit keep hold off it and rent why 'buying is dead money...

BOOTSO 02.05.2009 · Read review
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Review of Kensington Mortgage Company

First Direct Offset Mortgage

Advantages: First Direct - great offset mortgage
Disadvantages: Too easy to access the equity in your home!

...The first thing that attracted me to a First Direct (a division of HSBC Bank plc) offset lifetime tracker mortgage was that it was listed at the top of the 'best buy' tables on moneysupermarket.com. A quick search revealed that it had also been voted the best lender for customer service in the Which? Money survey on mortgages 2008. This was the second year running that First Direct had come out on top. With a score of 90% first direct was 11% ahead of its nearest rival in the survey of 18 lenders. First Directs mortgages have won numerous awards over the years, the most recent being What Mortgage Magazine's winner of Best Direct Lender over 5 Years (February 2007). In January 2009 their offset mortgage was one of the lowest rates on the market. Although I was not actually looking to remortgage at this stage because I still had nine...

Krazikas 28.05.2009 · Read review
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Review of First Direct Mortgages

Deal or no Deal

Advantages: Great show
Disadvantages: Bad host

...Deal or no deal is a TV gameshow on channel 4. It is hosted by Noel Edmonds. The rules 22 people are featured in each game but only one will play for cash. Each episode one of the twenty two people is chosen to play the game. The others stay there until they are chosen to play. Once someone has played, they leave and one new person is added to the remaining twenty one for the next episode. Each person chooses a box, numbered one to twenty two at random before the game starts. The boxes each contain a card with a cash value of the box wrote on it. The person who is chosen takes their box to a chair opposite all of the other people. They then choose boxes and find out how much they are worth. They win the amount of money that is in the last box. (Their own) However, every few boxes the player recieves a phone call from...

joe-survey 26.03.2008 · Read review
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Review of Deal Or No Deal

Kensington Mortgages

Advantages: You get what you need out of them
Disadvantages: Obscenely high interest rates, no reward for loyalty.

...I took over a mortgage with my partner in 2005 following her messy divorce and our of desperation with all the debts her ex left her. We were directed to Kensington via a local Broker, which I have now learnt to be probably more to do with their high rate of commision to the broker and little to do with our own personal circumstances. The most they would offer us was £60,000 despite the value of the house being £30,000 more. This was largely due to the absolutey massacred state of my partners credit rating because of the joint finances the ex left her paying..... and the fact I was only on a modest full time wage (NHS!) By the time all the kinks were ironed out, including removal of a charge on the house thanks to the cursed ex, we were relatively happy to have settled, had enough left over for the rest of the double glazing...

jedimasterlincoln 21.01.2008 · Read review
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Review of Kensington Mortgage Company