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Mortgages & endowments

Archives for August 2018

Accord mortgages and broker issues
So.. first thing the property is the perfect one for me and i really want it. basically i had my offer accepted on property. EA wont remove property off market unitil i have proven i can get mortgage. Which has been done as below They wanted me to use their broker for this (free for me) So i gave all my details and she…
HSBC Porting Mortgage Issue
Hi We are downsizing and thought that it would be relatively simple to port our existing 5 year fixed HSBC mortgage to the new property but HSBC advised today that their computer said I had failed the affordability check they do so they could not continue. I pay at the moment £220 a month mortgage and I am 2 years into a 5…
First Time Mortgage - The usual questions..
Hi all, Looking for some advice from you lovely lot again! Wondering what others experiences are with regards to first time mortgages and how debts effect them. I earn £34k p/a, my partner earns £25k p/a however she works through an agency - we were told she wouldn't be allowed to go on a mortgage but unsure if this is…
Moving from htb mortgage to standard
Hi We are looking at moving house soon. Currently in a new build but the area we want to go to has none. So we won’t be able to get another help to buy mortgage. We will however be able to get a better rate on a mortgage as the htb rates aren’t exactly competitive even when I fronted up over 20% deposit myself. So the…
Nationwide Shared Ownership Mortgage
Good evening all, Myself and my partner are all very new to the mortgage game so apologies in advance if any of the below doesn't make much sense but any help/advice would be most greatful. Once saving up enough for a deposit we have decided to go down the shared ownership route. Cost of house £190,000 which we have…
2nd charge
Weare selling up. Ther is a 2nd charge attached tothe house for £20k. The sale of the house will create more than enough to pay this. Why are my conveyancers being awkward? First we got a redemption figure from the company handling the charge My solicitor said "Oh we need a letetr assuring us the 2nd chrage will be lifted…
TSB Mortgage Deals
In June I phoned the TSB about my fixed rate coming to an end in August. As many of you know, like many customers I was told I couldn’t be offered a deal due to the computer upgrade. I was told “don’t worry, we will backdate any deal”. I phoned 3 times over the summer and was given the same message. When the BoE interest…
Nationwide repayment age limit?
I'm confused. I saw an advisor in Nationwide earlier this week and she suggested I could repay a mortgage up to the age of 70, so as I am 50 and turning 51 next Birthday, I could only have a 19 year mortgage. However, just looking on their website https://www.nationwide.co.uk/products/mortgages/borrowing-in-later-life it…
How to work out mortgage repayment
Hi all, I'm a bit confused :-) I was just checking on my mortgage repayment and I can't work it out to give me the same as I am actually paying, can anyone help? Outstanding mortgage - £71260.76 Interest rate - 5.49% Remaining term - 11.5 years (ish) Current monthly payment - £763.39 Interest and repayment mortgage When I…
Mortgage offer expiry timescale
After receiving a mortgage offer which is 'valid for' 4 months, what progress needs to be made on a house purchsase in order to meet the mortgage offer timescale? Do you just have to have an offer accepted, exchanged contracts or completed the purchase within those 4 months?
Land registry title after remortgage
Our solicitor has quoted £24 to get a copy of the title from the Land Registry after completion of a re mortgage. I guess this is to make sure old charge is removed and new one is correct. Is this any different to the one I can get direct for £3 from LR website? thanks
BTL mortgage question
Hi I am looking to buy a BTL next year, and also thinking of taking out a 10k interest free staff loan through my work, where repayments will be made over 18 months or so via salary deductions This 10k will just be invested with the intention to be potentially used towards the property purchase next year. When applying for…
Paying early HTB or Mortgage.
Hello everyone. I have a doubt about what to do with some of spare cash I have for pay my mortgage. The situation is I have bought 2 months ago a house for 173,950£ with Help to buy MORTGAGE HALIFAX 30 years 129,700 5 year fix 2.56‰ no early charges up to 10% outstanding debt. HTB 34590£ Spare cash :175£ weekly. My…
Spanner in the works
Bit of an update we have been told to make appointment to go in to solicitors to sign contracts. But environmental search has come back contamination report risk. The house we are buying is near petrol station we are not going to sell it in the future as have no intention of moving again after this purchase. Trouble is…
When do i have to send the deposit
Hi, i had a mortgage agreed for a new build (due to be finished Dec/Jan) my question is when do we send the deposit to the solicitors? do we send this once we exchange contracts with the builder? or do we send this when the completion time is near? thanks Pete
Best mortgage rates have remained steady since base rate rise - lock in a top rate now - MSE News
Best mortgage rates have remained steady since base rate rise - lock in a top rate now... Read the full story: 'Best mortgage rates have remained steady since base rate rise - lock in a top rate now' Click reply below to discuss. If you haven’t already, join the forum to reply. Read the latest MSE News Flag up a news…
New Build - Halifax Mortgage - 2 Hard Credit Checks months apart..
Evening! So we were approved for a mortgage (plus help to buy) with Halifax in March 2018, hard credit check was done at the time we were approved or in the process as it always is. Just checking my Experian rating tonight and noticed they have done another Hard check on the 28th August under the same reference "first…
Refused Barclay's Mortgage?
Hello, Hoping someone could shed some light on this for me before I go bank into the back to get narky with them... I'll simplify the figures a bit but essentially we currently have a mortgage of around £250k (property worth £350k) monthly repayments of £1000. We're looking to move to an offset (we have the savings etc in…
Agreement in principle, 6 missed payments a year ago?
My broker has got me an AIP with a LTV of 72% even though I had 6 missed payments last year. I am a little surprised but they said that as they carried out a credit check all will be ok? Has anyone been in a similar situation and got their mortgage approved?
Am I subject to any penalty fees?
Hello and thanks for reading.... I was recently accepted for a remortgage with Nationwide, however the surveyors valuation was well below what I was expecting and I am unable to now get the fixed rate product I wanted because of it. The advisor at Nationwide has suggested the valuation is appealed, however in the meantime…

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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
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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
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
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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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