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Mortgages & endowments

Archives for November 2016

Fixed Mortgage 6 months left, When should I sell
Hi all, Please I am hoping some of your lovely people will give me some helpful advice. I have 6 months (June 2017) left until the end of my fixed term mortgage. I am thinking of moving from my house into a rented property on the other side of the country due to work. So the plan is to rent my current house out (minimum…
Property with old electrics - Lenders?
Hi all, I've been reading a lot in this forum, however I am not able to find this info or some similar experience with a final feedback. I am trying to buy a property of around £230k that requires some work, however my mortgage offer has been declined. This attempt has been with Barclays and they have denied after asking…
Mortgage: Time For A Change
Hi all Our current deal with Virgin runs out March 31 next year. It's 2.59% 3yr fixed. Circumstances gave changed. We now have a 2yr old and a 5 month old. My wife is currently on maternity leave, and she is the main breadwinner in the family. Our savings will manage to subsidise the £1000 pay difference between her salary…
Mortgaging a right to buy property
If we are able to borrow money from family member to buy outright a council propey wI'll full discount ... how long until we can mortgage the property to repay the loan? Not selling or moving out of the house, intention is for son to buy house for parents as a means of always having a home for them, himself (if needed) and…
Fees???
I'm so confused with fees associated with house buying!! I know we need to have the deposit, broker ,survey and valuation fees ready to go. But what about stamp duty, solicitors fees etc when are they payable??? Can anyone give me a timeline of when fees are paid through the house buying process???
Finding decent mortgage brokers in London?
Hi, just looking for mortgage broker annd there are plenty our there. any users recommendations for any mortgage brokers in London who don't charge a fortune ? In my opinion we have a very straightforward remortgage application but would like some peace of mind. if so please pm me. Thanks
£225 Santander fee
Just a quick I have a memory like a sieve Just got my renewal pack through Is this the same fee that I originally deferred in 2011 or is it an additional £225 to add to the one I previously deferred until the end Just trying to work out if there now £450 of fees built up
Accord mortgages
Our broker is recommending an Accord 5yr fixed repayment mortgage. Previous reviews are not good - what are people's personal experiences and opinions on this lender? I am slightly concerned we may be setting ourselves up for frustration and trouble!
Conveyancing issues - am I over-reacting
I've been remortgaging recently. All went well, until the conveyancing. This was done by a company called "Enact", and outsourced to a fourth party called "Your Conveyancer" as I live in Scotland. Only after we'd done the survey, got the written mortgage offer, and completed everything else involved did this company send…
Does Halifax allow retention?
Hi all, I've been reading a lot in this forum, however I am not able to find this info or some similar experience. I am trying to buy a property of around £230k that requires some work, however my mortgage offer has been declined. :( This attempt has been with Barclays and they have denied after asking for an electrical…
Help To Buy - Transfer of Equity (Grrrrr!)
Hello MSE'ers! Is anyone else struggling to get through to their appointed HTB agents? I'm in the south-east and that means it should Target HCA but the phone line is constantly on hold at number 9 or more in a queue! At 12p/m I could buy a house with my phone bill, and still not got through. Also now email inbox is "full"…
Waiting for our mortgage Decision in Principle
Hi everyone, I'm hoping by posting on here we can get some advice! Me and my boyfriend are currently going through the process of selling our first home and buying our next home (we are upsizing). We currently have a mortgage with Nationwide, and we want to port our existing one over to the the new house, and borrow the…
Early Planning For Mortgage - A Dilemma...
Hi guys, sorry this is a slightly larger post than usual. I want to improve my credit score to be able to stand a chance of being approved for a mortgage in a few years time. The way I see it, I have 3 options. Here's the story... I work from home as a contractor in the aviation industry, I’ve been self-employed since May.…
First time mortgage renewal
Hi I bought my flat April 2015 for 88.5. put down 10%. Rate was fixed 2 years at 3.3% (or thereabouts, need to double check). Monthly payments £396 with nationwide. I haven't overpaid, so as well at the 8850 deposit, and growth in value,ill have 3-5k as a result of equity from repayments. Properties in area selling for…
Lump sum on current mortgage deal or new one
Hi I am on a 3.30% fixed deal ending in jan 2017. The lender does a 2.79% 2 year fixed which I am interested in. Would it be wise to make a lump some overpayment now, or when on the 2.79% deal in the new year.
Remortgage - Length of Fix and Deal Offer - Opinions please?
Hi I was hoping for input/opinions from other MSE members if you have time please. We are remortgaging for an extension. We have excellent credit rating so no issues there. Currently owe £85,000 and house worth approx £260,000 Want to remortgage to £145,000 as extension quotes are 60k At the moment we are on the standard…
Help, can Financial Advisor sign us to product without our permission?
Our mortgage term ended some time ago but because of health issues which led to financial issues through not earning we were in arrears for a while so held off until things were slightly better to look at renewing. We asked a F.A, to come to house to discuss a financial review of mortgage, pension, life cover etc., He was…
Is it worth overpaying on existing mortgage if we plan to sell our property?
My husband and I own our flat with a Halifax mortgage, we plan to buy a new property as soon as we can afford it in 3 years. I have money I've saved up this year and I'm considering overpaying on our mortgage. We're past our fixed rate period so there's no ERC, I will remortgage before the end of the year so I need to…
Self employeed mortgage
We are looking to buy a property next year, we both self employees earning 30K in total this year and 13K last year plus we had 7K profit that we did not take out (we partly looked after an elderly family last year). We have 160K deposit and looking to get 80K mortgage on new build house plus help to buy if we could. Do…
Santander Harrassment
Hi, Desperately in need of your help! Mum is 65. She has an interest only mortgage (£145,000) which ran out a few years ago so Santander put her on a higher interest rate and said it was ok to pay back as long as she pays of the total amount in the future. They charged her £1500 for this. She advised them that she was…

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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
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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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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
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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.

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