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Mortgages & endowments

Archives for December 2017

Mortgage Rate
Hello guys and gals. I’m currently surfing through the internet looking at mortgage deals. I’m a year off remortgaging yet but thought I’d have a look out of interest. I’m making this post as I’m not sure if I’m missing something as regards to the interest rates on fixed mortgages. They are coming out with 1.5% on 5 years…
Precise Mortgages Changed Their Mind
Hi, we have a poor credit history, but through a broker, we received an offer in principle through Precise. We paid the application fee and survey fee had the survey, sent additional information they requested. Then they have turned around and said that they are not happy to proceed based on a status 6 showing on our…
Ex partner wont discuss sorting mortgage out. Help!
Hi everyone ans thank you for taking the time to read this and would really appreciate any help and advice. Right... so ill start from the start.... It all began around november 2016. I noticed my partner at the time of 13 years was going "shopping" everyday after work at 5pm and not getting home till 10pm.most nights…
MI Group mis-sold Endowment -
Hello all, My partner had an endowment policy with MI Group that was likely to have been mis-sold so we would like to try to make a claim. Just wondered if anyone else knew who to contact re. this company. They don't feature on the excellent, MSE -recommended Resolver site and I can't find an obvious contact via Google…
Help to buy mortgage??
I am currently saving for my first home and have roughly £5k. I currently rent with my wife and pay £700pm. I am considering going for the help to buy scheme as its going to take far to long to save the huge deposit required for non help to buy. My question is, should i go for shared ownership which i can do sooner, or…
Removing person from joint Mortgage.
I own my own home outright (by myself), which is currently rented out, as I am living elsewhere. I also own a buy-to-let property with my ex-partner which is also rented out. He now wants me to remove his name from the buy to let mortgage. I don't have 'regular' work as I use the income from my home for most things. So…
Re mortgaging and adding partner to mortgage
My mortgage fixed deal ends in May. I would like to get on a 10 yr fixed deal and would like to add my partner to the mortgage. She will have finished paying a personal loan in April. As I will be applying for a new mortgage before she has finished paying her loan off will this affect whether we would get approved as a…
Mortgage Application - a few questions...
Hi, I am starting the process of applying for a mortgage to buy my first property. I've been in touch with a local Independent Mortgage Advisor and he's going to give me a call next week after the holidays. But I've started getting documents together and I have a question - would appreciate any help. In 2015 my dad passed…
Natwest
Todays daft question... ? How soon after application will Natwest request extra statements if they require them? Im trying to figure out what date this month is best to apply when I get my next months payslip on the 24th which will be a little bit less £2800 than my previous 4 payslips all of approx £3450 then my one…
First Time Buyer for a ‘second’ home
My wife and I are in a very fortunate situation where we are given accommodation through our jobs. We have thought about buying in Surrey where we live, but we are quite keen on buying in Wales, closer to my wife’s parents, and use it as a ‘second’ home. We have toyed with he idea for quite a while now and we have started…
Mortgage Brokers
Hi All I am a first time buyer and found a property. the mortgage broker is charging 500 + 100 admin fees to set me up with a mortgage provider.Can i avoid paying this by going to a bank on my own? what is the experience that members have of these brokers and is it worthwhile to use them? Thanks
Halifax Redemption Figure
Hi all I'm trying to sort my remortgage out early and rang our current provider Halifax for the final redemption figure after our introductory offer period runs out on 31/3/18. They said they were only able to provide the figure for 1 month in advance - which also wouldn't take into account that months payment i.e. my…
Divorce and joint mortgage...please advise
Hi, I'm in desperate need of some advice on what to do with my current situation. My marriage ended 18 months ago and I left the family home with my son. My ex husband lives in the property and cant pay me any child maintenance as he's so much in debt. His attitude is that I'm not paying into the mortgage so that offsets…
Halifax Agreement in Principle received
Hi all I've received an Agreement in Principle from Halifax for a 60% ltv remortgage which includes debt consolidation and borrowing more for life event and an extension. They have only requested one payslip so far. Don't Halifax request bank statements? Is the AIP worth anything as it's based on a soft search. My broker…
First Time Buyer - Mortgage Application
Me and my partner are about to start a mortgage application for a new build house in Durham that we have had reserved for quite a while. Me and my partner earn minimum of £2,300 per month after tax combined. Valued at £128,000, we had planned on doing a HTB mortgage with a 5% deposit however due to delays on site we have…
Mortgage for second property
Hi, My husband and I currently live in a mortgaged flat (currently about 60% LTV based on our last remortgage, but this valuation was based on our purchase price 4 years prior and an automatically calculated uplift - I actually think we are probably closer to 70% if they were to revalue today). We think we would massively…
Mortgage, gross or net pay?
My recent house sale has fallen through, because of this I am going to have to re apply for my mortgage. Since my original application I have been given a company car so my net pay has decreased because of tax. Will my net pay decreasing have an impact on the mortgage decision or is it based on gross pay?
paying stamp duty via CC
So it seems it is possible to pay stamp duty via CC .. https://www.gov.uk/guidance/pay-stamp-duty-land-tax#by-debit-or-credit-card-online however it will no longer be able to do this after Jan 18 2018 I am looking to complete by end of Jan, so dont think ill have a UTRN to pay before then. I will need to pay £25k so the…
Help to Buy
Hi, Can anyone help as the Government website is not particularly helpful in my situation. Having lived in Asia for almost 19 years I plan to return to the UK. As you would imagine getting any kind of mortgage from a traditional lender would be quite difficult. However I could be in a position to put down an 80% deposit on…
Mortgage offer question
We received our offer now we are just waiting for the valuation to be booked. We was offered £1,900 short of the 75% LTV we asked for (HTB), our broker said this was because applicant 2 wages slips are not consistant, does this sound right? I’m not saying our broker is trying to stitch us 1900 but I just wanted to check…

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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
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.

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Mortgages & endowments

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