Re: Non-prime loan company

Thanks for the response, albeit rather a stupid one. The reason I don't want to to secure the loan on my house is because I will be changing mortgage company very soon....

Every newsgroup has one...

Dan

Could you wrap the loan into your new mortgage, which will be much cheaper than getting a loan (as long as you pay it off at the same timescale you would have paid it anyway)?

Well I thought about that, but I need the loan now really rather than waiting until I change mortgages. I've had another browse on the web at it would seem that most companies want to secure the loan on the house...

Thanks for your reply

Dan

Why not take out a loan secured on your property but making sure there are no penalties if you pay it off early. Then remortgage for the larger amount when you move/change mortgage.

Well, your response was a little patronising and I am loathe to take advice from someone that patronises me without even knowing me.

With all due respect...

Dan

I'm no pillock! I felt that his response was patronising, and he was hardly trying to help, but i'm glad you feel that i'm at least due some respect!

I wasn't scoffing, I was genuine. And it's the solution I'm hopefully going for.

I can, I got a mortgage in the first place, albeit not the one I wanted. My CCJ drops off in February, so hopefully I'll become a 'wanted' customer again.

They've already agreed to an advance, but I was worried that I'd be tied in even longer after my 'no-penalties' two years.

I didn't realise that, thanks for the advice, it's appreciated. (not scoffing)

Dan

Well, that's good to know. So don't act like one!

OK, so you took offence at his wee quip at the end. Understandable in the circumstances, I suppose.

But from the sidelines, as someone with no connection to either of you, it seemed to me that he *was* trying to help by asking a key question. And in the event, it transpires, you *are* now thinking of doing just what you first said you wouldn't.

That's not what I meant. I was observing that you were not showing respect to him, contrary to your "with respect" assertion. Mind you, whenever anyone says "with respect", they usually mean the opposite.

That's what I meant. You can't really move the mortgage until your record becomes clean in February.

You're in luck, then.

Did they say anything to give that impression? I'm pretty sure that worry is unfounded.

Pleasure. Service with a smile.