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.

📨 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 June 2009

Can I transfer a mortgageto someone else?
I have an interest only mortgage with the Woolich. Due to a change in circumstances Is this possible or should I consider transferring the house over to them? I a bit confused about the best way of transfer either over
HSBC Rates
HSBC are pulling there rates on the 7th and replacing with higher ones.
Mortgage Application/Exchange Contracts Query
Hi, Am wondering if anyone can help me on a few questions I have re the buying process. I put an offer in on a flat last week- it was accepted on the Friday. Saturday morning I went through my mortgage application on the phone with the Woolwich and they said I would be posted out the forms to fill out during the week.…
amber home loans ? - anyone use them
does anyone here have a mortgage with amber home loans? my fixed rate should go down soon.. have you experienced any changes? or offers for re-mortgaging... i very rarely receive any letters from them with information.... have they sold their mortgage on to other banks (US)?
Anyone has repossessed houses/flats auctions experience?
I am looking to purchase a new flat/house and may consider the auction. What shall I keep an eye before I do so? Shall I arrange a mortgage before as I know everything has to be done within 4 weeks. If no one lends to me, will I lose the 10% deposit that I won the bid for? Can I view the flat/house before hand? Any good…
Morgage Holiday
Can anyone give me some advice. I applied for a morgage holiday with Nationwide and met the criteria in my contract <80% LTV , been with them over 12months and never deffered a payment yet they are refusing us a morgage payment holiday, saying we don't meet the criteria. We paid for a valuation and they can confirm I was…
Need advice - FTB mortgage but want to buy off my parents!
Hi I'm hoping that someone here can offer me some advice. 3 years ago during a messy divorce my parents helped me to buy a house. (30% deposit mine) The deeds are in their name, I have been paying alll equivalent mortgage costs and all other bills, taxes, charges etc.. Now that I am free to take on ownership and want to…
Purchasing at an auction help
hi, if you have bought at auction and paid a 10% deposit on the day, can the solicitor use this 10% deposit when completing a mtg?
Best fixed rate interest only
Hello All Need advice on mortgage - here's the scenario Own my property valued at £285000 - NO mortgage Need to borrow £40000 for home extension Age 57 Retired with Company pension and Part time job No dependents State pension kicks in in 3 years (extra income) Need a fixed rate to take me to pension age at lowest monthly…
Pay off Mortgage?
My mortgage is low now and I over pay (3*) there is about 2yrs left to run, I have some money sat in a savings account paying me 0.1% gross My mortgage rate is 1.19 and will go up to 2.5% next month is it worth me paying it off in a couple of months? I hear different stories about if it is wise to clear off a mortgage
Best Lender For Self Employed?
I'm self employed (director of small Ltd company) - can anyone give me names of mortgage lenders (preferably ones with good rates) who aren't fussy about borrowers in my position?
Mortgage in Principle
Hi quick query if I can. I thought a mortgage in principle meant that a bank would say "you can have that product at that rate for x months, even if we change our rates, during the x months, while you look for a house". However I went to see Barclays and they wouldn't do that, they said they'd give me a mortgage but would…
Alternatives to Virgin One Account?
Hello I was wondering if anyone knew of any alternatives to the Virgin One Account? Our current Loan to Value is 83%, lets call it 85% for safety... I have been speaking to alovely lady at Virgin One this morning and was advised they are currently only taking on new customers with 75% Loan to Value, and with the current…
Could a car on HP affect my chances of getting a mortgage?
Hi guys, I went into Halifax about a year ago to ask for 60,000 for a house extension. In the end I didn't go for it and decided to wait. But at the meeting, they pulled up my credit report and mentioned that an outstanding HP debt of 6000 for my car MIGHT affect their decision. Now my HP is paid off, it's time to get…
buying ex out of mortgage, how does it work?
hi, firstly, im currently separating from my partner, been together for 13 years and have had a joint mortgage for 7 years. he is happy for me to buy him out of the mortgage, i can afford to do this if i raise the term back to 25 years (currently have 13 years left and its at £68k on a fixed rate of 4% for rest of term) i…
House Buying
Hi All, Just thought I would post on here as me and my girlfriend are looking to buy in the near future and are just trying to grasp what is needed. Let me start by saying that I have just Completed an IVA with Full and Final Settlement after being in it for 2 Years and my Girlfriend has 2 Settled Defaults on her File from…
How soon can you remortgage
Hi its my first post here! I was wondering if anyone knows how soon you can remortgage if you can get a mortgage with no strings! we are buying out property for 30000 or more less than it is worth. we need to get money together for a 15%deposit because we are self employed. what i was wondering is if we remortgage after 6…
Mortgage costs and arrangements
Hi, Just wondering if this is normal - I have been granted a mortgage from woolwih- they are charging 1500 for the arrangement fee and a further 500 for the survey- is it normal to charge the applicant for their survey? Thanks A
Are there special broker mortgages?
I spoke to an independent mortgage advisor recently who suggested that there are four channels to access mortgages- Online offers Telephone offers In Branch offers Broker offers Is it true that there are mortgage deals that are only available to brokers and that these are not available to anyone else? I want someone to…
House buying Timescales- Need opinions?
Hello everyone, I'm buying a flat and are getting way frustrated with my solicitor. I made an offer at the end of May on the flat it, it got accepted and then my Estate agent referred the conveyancing to a firm in Leeds called Blacks Solicitors. I signed the letter of instruction on the 1st June. It was then down to…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

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.
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 Payments 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