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Mortgages & endowments

The place to discuss everything to do with getting a mortgage, remortgaging and more.

Mortgages & Endowments sticky
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…
Date of mortgage payment
So just a quick one really does it make any difference in terms of payment amount and interest on when my mortgage is paid every month because of a job I had years ago I change my payment date from 10th to the 28th. Now what happens is every time there’s a interest rate cut my mortgage goes up like £15 a month so I l have…
Ex Northern Rock mortgage prisoner advice
My in-laws are near the end of their ex Northern Rock interest only mortgage. To cut a very long story short, they cannot pay off the loan. But have never missed a payment as far as I know. I presume they are with Cerberus. They are nearly 90 years old. Does anyone know if Cerberus will consider converting the mortgage to…
Virgin Money 5yr Fixed at 2.7% - surely too good to be true?
While looking at mortgage deals over on the London & County site, the below 2.7% 5 year fixed rate appears - surely in the current climate this is too good to be true and likely an error? Through Virgin Money site itself the rate is over 4%. I cannot find this anywhere else either. The issue is that I am currently stuck in…
Gifted Deposit from partner
Hi all, Apols if this has been asked an answered before. I'm currently buying a house with a gifted deposit from my partner - which will be received upon the sale of their house. The house/mortgage will only be in my name and not theirs, and they will be living with me in the house. The mortgage provider requires a letter…
Mortgage application…getting myself in a state.
So I am getting myself into a right old state. Background. I currently have four defaults listed on my account. 3 drop off July (one not satisfied- balance £1800) and one next July (satisfied). Broker knows this. House we are buying is up for £280k and we have a deposit of 100k. Broker has place us with Coventry who have…
Natonwide overpayment question
Hello I am unsure if there is anyway to overcome this, but any thoughts on this would be welcome. Due to taking on a mortgage solely, a £22K overpayment was made last week to reach affordability. I spoke to someone in Nationwide and was advised I could choose to keep my mortgage payment the same and also to choose to…
Tracker Mortgage query
Hi all, So my existing fix is coming to a end later this year and provider has already messaged me saying I can choose a new deal. I've been on the app and it shows several deals and I'm considering the 2yr tracker deal they have at the moment. I've asked them some questions and 1 question they didn't actually answer but…
Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
Mortgage 7 years after DMP finished
We were experiencing financial difficulties and had a joint dmp in 2008, paid religiously until 2019 when we came off the dmp and paid only remaining enforceable debts/debtors - 3 of which we are still paying a small amount to each month. Our credit records are now excellent, we have no defaults. We are desperately trying…
Finding A Reasonably Priced Adverse Credit Mortgage Broker
I'm happy to annouce come September 2025 I will be 2 years discharged from my settled IVA. I was fortunate enough to have my parents settle my IVA early. I think it will be around 2028 when it will leave my credit file. I currently own my home and looking to move after September, I am lucky enough that I have enough equity…
Welcome Finance/Coast Finance solutions
Hi I am looking for some help. We took out a second charge on our property with Welcome finance, the debt was sold to Coast finance solutions. We repaid the loan in 2020 and assumed that was the end of it. Unfortunately we didn't get a letter stating the debt had been repaid. Recently we started to remortgage our property…
Agreement in principle, surprised so low
I recently got an agreement in principle which was less than half of what the Rightmove calculator had indicated I might be able to borrow based on my income. I put down that I had £500 in commitments, which is all my bills excluding food. Some of them I could get rid of though. Would paying off all my debt and staying out…
Buy half an inherited house?
Hi there, I’m just wondering if it’s possible to buy half an inherited house. My grandparents passed away last year and the house has been left to my mum and uncle. My mum has said she’s not bothered about her share but we would have to buy my Uncle Share out would that be possible with a mortgage? Or is it possible to To…
Buy-To-Let, Regular Mortgage or Bridging loan?
We have been looking for a 2nd property for a long time that we would like to use as a holiday home but possibly AirBnB when we are not using it. We found a property which needs some renovation to bring it up to a good standard and have had an offer accepted on it for £145k. We aim to renovate the property over 4-6 months…
Santander Renewal
My Santander mortgage is coming to the end of its current deal later this year. If I apply to them for additional borrowing and they decline will this affect the option of selecting a new deal with the current mortgage that is usually available 4 months before it ends? Thanks!
Tracking Halifax application
Hi - can anyone advise where I can track a Halifax application - applied through a broker and have the Halifax roll number but can't find the portal anywhere. Thank you
Will 0% debt impact a mortgage application?
Hi, hopefully putting my house on the market in the next week or two. When applying for a mortgage would having £4k on a 0% credit card massively Impact an application? I bought an engagement ring and put it there whilst keeping the money in a 5% account. I could obviously pay it off if needed. For information House value…
Remortgaging to repay HTB, consolidate debts and borrow for home improvements in one go?
Hi all Seem to be hitting a brick wall with regards my attempt to repay my HTB loan with multiple lenders, due to affordability being lower by having other lines of credit. In summary; our house is worth circa £500k at the moment, with a Halifax mortgage of around £200k. Help to buy equity is around £100k (20%). We have a…
Halifax mortgage - deal ending
Hi, I have a small mortgage with Halifax that ends at the end of July. Properties worth around 345,000 mortgage is 36,000 currently at 4.68% They have a tool in the app to switch but the best it’s offering me is 4.09% for a two year fix or 4.33% for a five-year fix. Online I can see there are often new customers lower than…
Paying off debt and upsizing with mortgage.
I currently own a 3 bed semi property with around £200k in equity. I’m looking to upsize due to my 4 children growing fast and needing their own bedrooms, so looking at selling and upsizing. Here is where the potential issue arises, myself and my partner have combined debt of £36k, a mix of car loans, credit cards and…

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Mortgages & endowments

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