Mortgages & endowments

Please be aware of the MSE Forum rules when posting on this board, notably: * If using the Forum as a professional, please note that posting on behalf of your business is only permitted if you are an MSE verified user. * Advertising and spam are not permitted. * Do not share any personal information, such as your own or…

Hi all, after some advice please. We are a couple in our early 50's (52/53) been together and married a couple of decades and renting privately, with neither of us previously being home owners. Employment wise we are in a good position, having stable jobs, over 10 years with our respective employers. Current credit…

Hi all, I am not looking for concrete advice here obviously, but maybe just some insights from anyone who has experienced. I have 7 defaults on my file which are all being paid monthly (small amounts and self managed). In April next year, my latest defaults hit 3 years, and I was hoping to potentially look at buying a…

Hey there, We have a plan to complete our mortgage at the end of 2030 and with our 2.39% NWide 5 year fixed deal ending in Sep 2027 with est. £250k left on the loan and 25 years remaining, I’m unsure what should be our next move. Our plan is to continue making around £3500 overpayments each month with an accumulation of…

Looking at the schemes where we can deposit cash in a savings account that the lender has a charge over for a period which means the purchaser needs a smaller or no deposit. The interest they pay seems quite generous and there are no concerns about the money being tied up for a period of time or the fact there will be a…

Hi everyone, I’m a first-time buyer purchasing a freehold ex-council property and have encountered an issue with the 10-year Right-to-Buy restriction under Section 156A of the Housing Act 1985. The sellers purchased the property from the Council in September 2020, so the restriction remains on the Land Registry title until…

Me and my wife currently have a 3 year mortgage with about 2.5yrs left. Both are currently UK tax payers. I have the possibility of working overseas for 2 years (possibly longer) earning a tax free salary, my wife will remain in the UK. I am also a military veteran with a military pension which will remain UK taxable even…

Mortgage rates have been on the up over the last several months, with fixes under 5% now limited and sub-2% deals a distant memory. But where will rates go from here? And should you fix your mortgage now or wait? Read the full story: https://www.moneysavingexpert.com/news/2026/10/mortgage-rates-broker-forecast/ If you…

PRIMIS are an absolute nightmare to communicate with. They are trying to me out of £2053. The guy I’m dealing with ([Removed by Forum Team]) is an absolute stubborn moron who has calculated my compensation incorrectly. I’ve asked it to be referred to his manager or superior and he’s refusing. PRIMIS don’t have a…

I have been overpaying my Nationwide Mortgage for some years and the end is now in sight. I am allowed to overpay 10% of the original loan. Once I get into my new overpayment year (from 1 Feb 2026), my overpayment allowance will be greater than the outstanding balance. Any Early Repayment Charge would be 4%. But the terms…

Been on a StepChange DMP for around 5 years with no missed payments and have roughly £16.5k left outstanding, all now owned by debt purchasers. A family member is planning to gift me around £15k and I'm wondering whether it's worth exploring full and final settlements through StepChange. Has anyone had success settling…

I will provide my current status but I dont think it is overly relevant to the advice I am looking for Current mortgage is 137k outstanding, rate is 3.23% fixed until January 2028. 25 years remaining. Currently overpaying by 137 pounds a month so paying put 800 a month. We are looking to borrow a further 30-40k to do home…

I'm buying a house and the purchase has been dragging on for months. We still haven't exchanged because the seller needs their mortgage lender's consent to proceed with the sale. I've been told the lender has been holding things up for several weeks. The seller says they're chasing, but there's still no decision or clear…

Looking for someone savvy with poor credit and first time buyers specifically in Scotland. I have an active DMP with a debt management company. Debt accrued due to change in circumstances over a year or two rather than long term poor financial management. I have the opportunity to offer a partial settlement to become debt…

I took on an endowment mortgage in 1996. 8 years later a letter warned me they predicted I would owe more that the total house purchase cost at the end of the 25 year mortgage. I panicked and changed to a repayment mortgage starting the 25 year term again. Can anyone advise what happens to the money I paid for 8 years? Is…

Lender says they can't lend the full amount I need. Does this count as a 'Decline' if I apply somewhere else? Fed up with the broker who said they were WoM and recommended this lender - it is time to speak to another broker? I am a FTB my LTV is 67%. Please advise - I am so deflated after waiting three, long weeks. Loads…

Hi all, We’ve had our mortgage around 5yrs and remortgaged once prior. We have a fixed deal due to end 31/07/2027 and have now reserved a new build with an expected completion date of April/May 2027. Porting seems like our best/only option given the ERC would be triggered if we didn’t. However really unsure on the best…

Hi, Not sure if on right page but here we go. If three people brought a house, how best can they help each other now get a property each, salary wise they are all on different stages, but can they use the current house to help get two more houses and keep current?

I've recently switched my mortgage from Halifax to Lloyds. When with the Halifax, I'd often make overpayments one month and then would underpay a subsequent month and when I did this, the underpayments were taken from the built up overpayment fund and my overpayment allowance was restored. E.g. if I paid my contractual…

Hello, is anyone currently have a mortgage application ongoing with West brom, it's been 5 weeks and still no offer! Our broker has said it's with the senior underwriter for final sign off but I just do not understand why it is taking so long, valuation was done straight way and passed no issues, and the only additional…

Our 2 years fixed deal with Leeds BS is ending in January and my mortgage advisor is starting to look at rates for me. She emailed the other day to say could I speak to Leeds to allow her access as she couldn't check the account as there was a block that needed taking off the account. They called me from Leeds this morning…