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Mortgages & endowments

Archives for September 2021

Getting permission to let with HTB equity loan
My position - Bought home using 20% HTB equity loan 4 years ago. An opportunity has come up to live and work abroad for 2 years. Due to being on a 5 year fixed and not wanting to incur early departure fees i am trying to get permission to let from our mortgage provider and Target (HTB authority) so we can rent out the…
Halifax timeline and other peoples experiences. Regarding mortgage process.
Its been the absolute longest week of my life and its been 5 days. So, long story short. We have an MB, who has done all the work for us. He checked through out credit score on (check my file) other than a handful of late payments on my account over the last few years mine is fine. My partners, is excellent. Perfect…
Completion this Wednesday but mortgage been passed for final check?
Solicitor has been in touch this morning, bank are happy with everything and we’re completing on Wednesday however the bank have said the case has been passed for final checking, is this normal? thanks
When should I start considering looking again?
Back in May I resigned from a job, due to a change of circumstances at home, which no longer made my position feasible. I have since been unemployed, however, will be due to start a new job in the coming days. We have started to outgrow our house and are hoping to find something a bit bigger in the next 12 months. Our aim…
Add mortgage fee to mortgage or pay separately?
Morning. As the title says really, any advice to paying separately or add to mortgage? Thank you
Nationwide DIP Referred
Hi all, we had a previous DIP for a house that we unfortunately didn’t win on offer wise which was for 90% Loan amount, but we have just had an offer accepted on another house but we would have to do 95% loan this time as it’s more expensive and stamp duty etc. We will be borrowing the maximum they will lend us. Our…
Mortgage free later Vs mortgage now?
Hi guys, My mother passed away recently. As she died less than ten years after retiring I am due a 31k pay out from her pension in a few weeks. I will also inherit half of her estate once the house is sold so I'll receive approx another 150k give or take. I'm currently renting and I wondered whether I should buy a house…
Changing mortgage deal from 15% to 10% just before exchange of contract?
I am approaching the exchange of contract. The issue is that the surveyors (drain specialist, roof specialist, structural engineer and especially the damp specialist) highlighted a few different items that will need to be fixed. I have reached the stage of exchange of contract now and have realised that I could have more…
Changing mortgage deal from 15% to 10% just before exchange of contract?
I am approaching the exchange of contract. The issue is that the surveyors (drain specialist, roof specialist, structural engineer and especially the damp specialist) highlighted a few different items that will need to be fixed. I have reached the stage of exchange of contract now and have realised that I could have more…
Mortgage whilst on a probationary period for new job
Hi everyone i am just querying whether my probationary period at my new job will affect my mortgage application, I signed my new job contract on 28/04/21 and was told at the time there would be a 6 month probationary period but in all this time i have been told repeatedly by my boss not to worry as i have the job and they…
Can you pay a mortgage with a credit card?
As simple as that really! Essentially I have a credit card which gives me a fair few nectar points each month. I was wondering as a way to maximise my point earning potential is it possible to make overpayments on a mortgage with a credit card?
Past overdraft
Hi, I have an account with a £1000 arranged overdraft, that was being overdrawn by between £100-£200 consistently, for up until about 3 months ago. The account has been in positive by about £500 for the last 3 months ago. This is not my main account, it's a secondary one. I have about £15k-£20k for a deposit as a single…
Re negotiating house price after mortgage approval
I have an approved mortgage application for house. We have done a house survey which identified serious root ingrowth in drain. I am hoping to renegotiate house price if possible, how does it affect the mortgage, is there much issue with bank in general ?
Santander offer extension
Hi, we have a mortgage offer until the 29th October. We are wanting to complete that date the only problem is we are also purchasing the freehold and the freeholder solicitor is on annual leave til the 30th sept. I’m not to sure where they are upto with it but they did say it can be done in October. I’m just wondering if I…
MIP for shared ownership with Skipton
Hello so I'm a massive worrier we are currently looking to borrow £43,500 from Skipton and they have given us a mortgage in principle .. have they already done a credit check then ? So we have passed a credit check ?
Mortgage Question: What would you do?
Hi all, My and the partner are umm'ing and arr'ing about the best way to proceed with our mortgage. We are looking to move away in a couple of years to a more expensive area and trying to work out the best way to go about it. We'd welcome your thoughts. We currently have £128,000 left from an initial £141,000 on our…
Pepper Money
Does anyone know if Pepper Money do Help to Buy mortgages? I can’t seem to find anything on their website, I’m assuming that means they doesn’t?
Proof of stamp duty funding needed as well as deposit for full mortgage application?
I know it's necessary to have proof of deposit when putting in the full mortgage application, but is it (ever?) necessary to show anyone (solicitor, lender, even EA) proof of the stamp duty on top too? Reason I'm asking is that while I know we would easily have enough savings/equity to cover both deposit and stamp duty by…
Mortgage declined due to missed wage payment
Hi, our joint mortgage was declined due to partner missing wage payments in July and August (due to covid related funding), which he then got back paid for in Sept. Prior to it being declined we had actually received a call from the broker saying our mortgage was due to be approved and just awaiting final paperwork, then…
Mortgage, Divorce and Savings
Hi - didn't know where to post this one so please feel free to move me, Admins, if you think I should be somewhere else! Right - please be kind on this one. I've changed my username as it's a bit sensitive and I've had such an awful couple of years (even beyond all the Covid stuff) that I'm bursting into tears left, right…

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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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