How about this for a plan. Firstly - can you get the insurance cheaper now? Premiums have fallen over the past few years. That gives you a reason to get new insurance. Then, use a broker that can arrange insurance with company that operates tele underwriting - I can suggest one - I'm sure there's a way of messaging me - I won't be ...

I'd echo Darrmont's advice. Is there industry press that may have adverts, or a union that may have a special arrangements? best wishes Adrian

You are in a tricky position, I'm not sure I can offer light at the end of the tunnel. My feeling is that the secured loan is probably at a higher interest rate so, given GMAC aren't playing ball, concentrate on clearing the secured loan. But, i just have a little worry about your husbands contribution towards clearing this faster than ...

I reckon they were quite clear about who they would cover - basically those in the waiting period now, even if they were redundant in say December. There was no mention of people who could have benefitted from this in earlier years - that would be a can of worms and a half. Ask, but don't get your hopes up.

If you can dig out your mortgage offer for the fixed rate, it will show what rate you would be on if you jumped off the fixed rate. From there, it will aslo show the penalty you will be hit with. You need to calculate if it's worth it - Phone Nationwide and ask for figures. If you need advice, see a broker - you may get charged a fee since ...

Jessica I would suggest not swapping to Buy to let - just ask Abbey for permission to rent the house out. They should say yes if you explain the situation - no job, stay in house. New job, but have to move. That'll save you paying the redemption penalty with Abbey plus a BTL mortgage will probably be unavailbale at that loan to value ...

Hi Paul Sorry, I'm not from moneysupermarket, but I am a qualified adviser. I have a customer in a similar situation. Here's what we are doing. 1. Remortgage existing house, converting to a Buy to let mortgage and borrowing a bit extra to raise the deposit to put down on the next house. 2. Take a mortgage on the new house with a lender ...

Going part interest only/part repayment is probably a good* tactic to tide yourself over a hike in payments. However, the size of mortgage you have makes it worth considering a 2 or 3** year deal so that you are not accidentally on the interest only bit for too long. In your shoes, i would certainly consider the option of taking a deal that ...

It's not beyond the realsm of possibility. You'll need a deposit - that's pretty much true for everyone these days. From there, it depends how much mortgage you need - maybe it's 'getable' on just your income. Or maybe there will be lenders that can cope with her kind of temporary. Really, i'd suggest you see a ...

Hi There is nothing like that - there are directories of IFA's, but none that I know with ratings, at least none that aren't just paid for adverts. I'm in Hampshire - our trading standards dept has a list of 'approved tradesmen'. Your's may have a similar system. Otherwise you are down to either personal recommendation ...