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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…
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Payslips for mortgages
I might want to take out a mortgage in the future and wonder if the actual net pay on a payslip matters or if they only look at the gross. HMRC has noticed recently that I had untaxed interest last year so now they nullified my personal allowance and made it -8k instead which is why my net pay on the payslip has taken a…
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Nationwide Remortgage Rates Existing Vs New
I notice the rates for new customers are always significantly lower for new business than for existing - is that the norm for all banks? It really annoys me, are they hoping I won't look around and stay because its so convenient (which let's face it I will probably do just that!)
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Nationwide Mortgage - Am I being ripped off with the interest payments?
Hi All As we know, software related to calculating money can go wrong and is only as good as the data input to provide calculations (Lets remember the post office scandal shall we). That includes whether the original calculations and in this case, how much interest is added t my mortgage, is worked out. I have been…
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Mortgage rate ending in Jan 2026
Hello all, Looking for some advice please! My 5 year fixed mortgage is ending soon the rate we secured back then was 1.9 and I understand we will be paying quite a bit more now. We are wondering if we should go for a fixed 5 year or fixed 2 year? Our mortgage payments are £1495 per month. Our home is now worth around 600k…
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Remortgage Issue
Hi, I’m going through my remortgage, the problem isn’t with the remortgage itself, it’s to do with my old solicitors who I purchased the house through they’ve put an application on the title of June this year without my knowledge as the land registry had put a restriction on the title, which they’ve then tried to remove…
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Together Money Mortgages
Hi, Does anyone have experience recently of this company? The buyer at the bottom of our chain is now using this company. The rest of the chain have been ready for 8 weeks now & we are still waiting. A month ago we were told they had been issued a mortgage but they needed to submit extra documents. This was done & then it…
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Halifax Cashback Mortgage Complaint and Financial Ombudsman Advice
When I took out my mortgage there was 1% cashback offer which I was advised by Halifax I would be best to pay off to the mortgage, to balance the security fee they charged. I arranged this transfer in branch shortly after starting payments and received confirmation in writing from Halifax Customer Services. Down the line…
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Life time mortgage i believe mis-sold to my father in law
We have recently found out that my in laws took out a life time mortgage of £150,000 approx 10 yrs ago. Even though they owned there own property and business properties. My father in law died of a heart attack but also had severe dementia. The current interest is £3000 per month and the total is over £600,000. My mother…
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Which mortgage broker?
Hi I have recently sold a flat and am temporarily renting whilst searching for a new property. This is taking some time - I had an offer on a ground floor leasehold flat but turned out it had no EWS1 and the broker (L&C) said I was turned down on that basis. However I am 58 and so can only borrow for max of 17 years. I…
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Mortgage provider email to confirm funds will be sent on X date...questions?
Hi all, I'm completing on my purchase soon, all being well... I've just had the email from my lender stating that the money will be transferred on X date (day before completion). Does this mean their final checks are all done? I.e. is it safe for me to apply for credit without impacting the mortgage? Essentially I have…
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Uncaring, unhelpful Building Society
have
my Mortgage with Melton Building Society. Recently my Wife has been diagnosed
with early Dementia, she has lost her job and now left the family home and
stopped contributing to Mortgage. I have informed Melton of everything along
the way and have recently had to reach out to them for help. They acknowledged
my…
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Santander remortgage form
Hi, I just have a question about my Santander mortgage fixed term period ending and them offering new fixed term product deals. I may/may not still have my job at that point, but I will have the money to carry on paying my mortgage. I know they don’t do any affordability /credit checks, but are there any questions on the…
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Does ALL online gambling affect mortgage options?
I just found out that online gambling transactions can be / are negatively viewed by mortgage providers... The thing is, I believe my use case is rather specific and actually finnancially prudent so hopefully isn't viewed negatively? Basically the only time I ever gamble is when I get one of those "Bet £10 get £50 free…
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Mortgage rates tables
Hello All, Not been on the forums for a while - and i cant find the mortgage section to ask the question Is there any free good sources of mortgage rate tables - everything i find seems to be after filling out lengthy information/personal details or giving out teaser rates for LTV that arent in my range Thanks hugely
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UK citizen has Portugal visa mortgage
Im presently residing ans working self employed three years in Portugal but UK citizen and bank account, in both countries I want to buy house to a house in the uk with and rent out to my brother What are my options available? Any advise appreciated
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Need Advice: Renew Now at 4.18% or Wait for Possible BoE Rate Cut?
Hi all, I’m renewing my mortgage with NatWest and really want to avoid their 6.99% follow-on rate on 1/1. They’re currently offering me a 4.18% 2-year fixed, but with the BoE meeting on 18/12, I’m wondering if it’s worth waiting in case rates drop. My concern is whether waiting until after 18/12 would leave enough time for…
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Beyond belief
I want to gift my daughter £10,000 £5k as gift and £5k as a loan, she is buying a property. I have just received an email with attached form to fill in requiring my passport as proof of id, bank statements to prove its my money where the money has come from etc. I am not sure if this is because daughter was short of…
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Advice - Mortgage
Hi guys, need some general advice please. My current Natwest mortgage finishes in December 2025 and have exactly 2 years left from Jan 26. My balance is £57,000 which is £13,000 capital and interest, and £44,000 interest only. I have just received a payment into my bank account of £37,000 endowment payment for the £44k…
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Product transfers and earnings
Hi all I wanted to ask for some advice. We are on a fixed term mortgage which is coming to an end in the next 6 months. We will have to do a product transfer as the bank isnt aware that we've had a baby and that one of us is working part time and the other is now self employed. We can afford to live comfortably but im not…
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Product fee
I think I know the answer to this question but want to check I’ve thought it through correctly! If I renew my mortgage to include the product fee, I get a lower rate. So can I lock in that deal and then make an immediate overpayment for the product fee amount (to be allocated against the capital). EDIT-I don’t think I was…
