I am sorry for my typo's - could do with spell check! I understand, we have stolen this post to discuss it. I am now "old school", in so much as my professional experience was over a time of relaxed credit, positive markets. with geniune pension loans comes an opportunity to raise money for those th...

Hi Brownowl,

Is all you are after is an remortgage decline?

I am sure I can help with that, that clearly is not commercial and therefore not in breech of the rules on the site and if your circustances are credit restricted not hard to achieve, as you will fail most lenders criteria.

I am not taking it personally, I wish to help. You are right, I could have called myself anything, would you be happier with my intention if I set a new account under a different name? I think Shakespear said something along the lines of would a rose be less beautiful if it were by another name. I a...

Right let me expand. Credit lines exist and there deals to be done for the right reasons. Some lenders are very keen on seeing their capital repaid and are offering incentives for clients to move; for example Bank of Ireland is writing to its borrowers offering to waive the early settlement charges ...

SIgh, I am not touting for business I am offering advice. For Free. I am on this site to help people because of my experiences. Thats what this is for, is it not?

Hello all.

I am an FSA approved individual and I can offer advice and assistance for regulated mortgage contracts. I would be pleased to have a conversation, on or off line and see what the possibilties are. Seek and you will find etc.

Hi Brownowl, There is nothing like the information needed here to give you true guidance. As a rule of thumb, if you are financial difficulty anything over 75% is going to be challenging to deliver in a compliant and affordable way for you. Realistically you will need to expect 75% loan to value on ...

Firstly, apologies, my earlier post was not intended to be the advertisement it turned into. Let me start with my story to add some perspective: I am a regulated individual and I lost my business after fighting hard against the credit crunch for two years. My business collapse left me with Personal ...

There has been much press over the past month or so regarding pension receprocation schemes (which appears to be what is being discussed here). The HMRC won a high court ruling last month against such a firm and they are now showing their teeth to other schemes of this ilk. Taking part in such as sc...