We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgages & endowments

Archives for May 2007

early repayment charge, help!
I had a tracker mortgage with halifax for 200K. Towards the end of 2 years, I made a 10% early reapyment (Jan07). I then took a remortgage with halifax again for the same property at a fixed rate. I made a 10% early repayment in April 2007 on the remortgage. Now, the halifax says I have to pay early repayment charge on…
Fixed mortgage for me but could my partner get one?
I have a fixed mortgage with early repayments charges of 2 years. I want to buy a house with my partner. My mortgage is portable but could my partner arrange her own part of the mortgage with a separate mortgage provider or are we both tied to the same mortgage provider? I am selling my flat to be able to buy a house but…
Mortgage borrow amount. . .
Hi, Looking for some advice on getting a mortgage for a new home. Hoping to put down a deposit on a new build that should be ready next March. Purchase price is £185k; however, we will be putting down £20k as a deposit. Our joint income is £37k. I’ve had a search around the internet and ive found around 3 or 4 lenders who…
Mortgage Consolidation HELP/ADVICE
HELLO We currently have a mortgage with about £154K and we also have a first plus loan which is secured against out home of about £57K we are wanting to know the best way to consolidate our mortgage and loan ie remortgage etc. Has anyone got any advice, should we contact a broker can anyone recommend one we are in york…
Transfer of equity to ex partner
Am new on here so hope I have posted in correct place! I am looking to buy my ex out and wanted some advice regarding how I go about doing this. I will keep the background brief, but here goes.... We split 7 years ago, have two children, I have paid the mortgage on my own for the last 7 years. I have only ever been able to…
Mortgage & Loans help
Hi everyone i am very new to all this so not quite sure how it works but going to try and give it ago We have a mortage for £153,000 and we have also taken out a First Plus loan £57,000 which is secured on our house, i am wanting to remortage and get rid of first plus, but not quite sure how i go about this and is it…
Standard Life - How much will my policy be worth tomorrow?
I've been tracking the surrender value of my SL Policy for a while now. In May it was worth £22,873.27 (Basic Value and Final Bonus figures of £20,459.09 and £2,414.18 respectively). It was originally planned to pay out £31,045 on 1 Feb 2010. So, what does it need to be worth tomorrow (after another £45 monthly payment) to…
does this mortgage rate offerd by my bank seem decent ?
Hi with me putting down £120,000 I have been offerd a rate of 4.9% interest only. Does that seem decent ??? Sorry I am new to all this
Transfer mortgage offer to another house?
..........
Cash in endowment?
Hi, First time posting in this particular forum. I have an endowment with Standard life that i am considering cashing in, i know that you can often generate a better return by selling it to another company and i guess i'm looking for a few pointers as to whether to do this or just hold on to it. My car just died…
Help re finding mortgage/bridging loan?
Hi, We are looking to find someone to lend us approx £150k to buy another property...my husband is a builder and wants to buy something which needs refurb or extension. We currently have just a 10k mortgage on a house worth approx £380-90k. I rang the Halifax (our current lender) and they said they could only lend about…
Time to Sell Endowment?
Sorry but yet another "Should I sell my Endowment" question. Bought in 1989 with Sun Life now part of Phoenix, not good I know. Target Amount £37500 Basic Sum £12458 Maturity 1/Feb/2014 Current Bonuses £5785.46 Premium £47.61 Surrender Value: £14559 Should I stay or should I go? Cheers
Mortgages4u - Any Opinions??
I have recently spoken to the above regarding re-mortgaging but know nothing about the Company. Does anybody out there have any experience of them???
Let Northern Rock know developers want to buy half my garden for 75k?
My brother and I have had a joint mortgage with Northern Rock for nearly 2 years now, the fixed period expires in August. Some developers want to buy half our back garden for 75k, along with two other gardens they plan to build 6 flats. The option agreement has been drawn and if planning permission is granted they will…
Is the mortgage rate due to go up again?
Hi guys, Myself and my partner are first time buyers, and have had an offer accepted on a property in Hampshire. Unfortunately, our offer was accepted after the mortgage rate went up, putting the payments up by a good £40 a month. C'est la vie I know, but we have just had word that the people we are buying from have pulled…
Selling an endowment without the original policy.
Hi, Can anyone help me? I've got an endowment policy with Phoenix ,which I took out in 1988 and would now like to cash in. I've been in touch with a couple of potential purchasers who are offering £1700 to £2000 more than the surrender value. Unfortunately I've only ever had a copy policy, not the original and both…
Effect of other debts on mortgage application
I'm about to start a new job which will initially be a 100 miles a day round trip. I'd like to swap my ageing petrol engined car for a diesel but would need a loan for about £10K for the car I want Over the next few months we're then going to move closer to my new job. My IFA has advised me to hold off taking out a loan…
Help with Offset Mortgage
HI Newbie here - hope someone can help!! Have had a read through the posts but very confused. Have had an offset mortgage with IF for 10 months. Part repayment but majority interest only. We have 20k in current account and usually get £2,500 into account on a monthly basis. We spend on Credit cards all month and pay the…
can you get a buy to let without having a residential?
My situtaion is; I have some savings, but wanted to use them for buy to lets, but also wanted to buy somewhere on a residential for myself to live in. So I have found somewhere for me to live and have got a 100% mortgage on it so as to leave my savings free to use as deposits for buy to lets. The stage I am at with me…
FSA to scrap Menu & IDD documents
We have mentioned this before in here and investments section and how misleading they can be at times. It has just been announced that they are to be scrapped as they breach European rules. The FSA intend to implement Mifad (the EU rules) on November 1st. This also shows a shift of power from the FSA to the EU and that…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Mortgages & endowments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Mortgages & endowments

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free