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Mortgages & endowments

Archives for November 2022

Which mortgage comparison websites do you like using, and why?
Which mortgage comparison websites do you all like using? I have used the one recommended by MSE in the mortgage guide, but couldn't filter out the offset mortgages. I like the Moneyfacts website for being able to track the offset ones, but find it less good with the tracker rate mortgages (it doesn't specify how much it…
Halifax AIP
Thank you.
Extending the term?
Is it easy to extend the term (so you pay less each month) when doing a mortgage rate switch with the same bank when your fix term expires? Is extending the term going to trigger all the things you need to do for remortgaging, e.g. valuation, affordability check, legal, etc.? Or is this not necessary due to you staying…
Santander indemnity policy
We are having a nightmare and are already 5 months into trying to buy our first home with no chain either side. The property was built in 2018 and there is a rent charge for the management of the estate. Our solicitor has been requesting a deed of variation which the sellers solicitors have refused. They have accepted to…
Natwest 5 year fixed rate but being told only 4.5 years?
Hi all, Wanted to see if anyone else had faced this issue, we signed up for a NatWest 5-year fixed rate mortgage in 2020, 1st payment was taken on April 1st, 2020, so we assumed rightly or wrongly the mortgage would finish 5 years later in March/April 2025, basic maths and all that. Having phoned them yesterday they…
tomorrow is completion day for me what could go wrong?
what could possibly go wrong? tomorrow is completion day for me but my broker has spooked me a bit. she sent me and email saying this That’s no problem. I hope all goes through ok for you tomorrow. Please keep me posted.
Further advance
We have requested a further advance on our mortgage to borrow an additional 50,000 to consolidate debts. We have a lot of debt and this would really help significantly! We have passed affordability and the credit checked wasn’t declined but referred to underwriters. We are with Natwest. The wait is making me anxious. I…
It's Over!
I just want to thank everyone on this forum for their help and opinions , it's been a life saver. And to say , finally, I completed . I received completion email yesterday from the lender and it felt Awesome. Just wondering if I could change my mobile phone contract today? It's long overdue but couldn't do it because of my…
Completion on mortgage
Hello, Looking for some advice. We are near completion in few weeks. Everything is ready on our side but we just checked my husbands credit score and it has gone down! There has been a late or missed payment on account. What has happened is he has paid the wrong amount to our credit card bill. Honest mistake as he has…
Lender's appetite for mortgage offer extensions
Anyone have any insight into what lenders are like at the moment for extending offers? It's looking likely that we will need a 4-6 week extension from our lender Coventry Building Society. We secured a 5 yr fixed at 3.35% on 75% LTV for which the offer expires 8th Feb. Current rate for a similar product with the same…
lifetime mortgage to finish home extension project refused-help!
3 years ago we had enough to build our project twice over. Costs more than doubled, most of the building work is done, but we cannot fix a lifetime mortgage to finish the work as the house is not regarded as "habitable" by the surveyor. We are living in 3 rooms upstairs, the extension is waiting for the electrician to…
Do we remortgage now or not? Really need some advice!!
We have been in touch with two mortgage brokers who have advised us completely differently. Our situation is this: We moved out of our home in Sept 2021 and have moved - so we're renting where we live now, and we're renting our flat out. We have permission to rent from our current mortgage provider, until the mortgage term…
Mortgage pulled 3 days before completion
HI, after some advise as totally past myself. Due to complete on a new build property in 3 days time, exchanged contracts 2 months ago and paid £22.5K deposit. Bank have emailed stating they can no longer offer the mortgage due to post offer checks and cannot disclose any further information. I have given accurate…
Spray Foam Loft Insulation- Am I ok?
My house was built in 2005 and had spray foam insulation applied in the eaves/loft when built. I have a 25 year guarantee certificate for the insulation against defective workmanship, by a company called Renotherm. They still seem to be trading and I have found this information regarding their quality standards. Anyone any…
Why are trackers being pulled from sale...ie Skipton?!
They only just released these products too
Broker or bank lender
I am in the process of remortgaging as my existing contract is ending. The best deal I have found is with my existing bank lender, which was confirmed by a broker, Mojo (in conjunction with USwitch). I am thinking of sealing the new deal with the Mojo consultant to help her earn the commission, instead of going straight to…
First Direct silently moved me from fixed term to SVR - anything I can do?
Ok so I am partly to blame here, but I think the way FD handled this is super shady and misleading, plus it has put me in quite a difficult financial situation so really would appreciate any help. The details: - November 2020 - bought house with 2 year fixed term mortgage with first direct - August 2022 - shopped around…
Confirmed Mortgage Offer Withdrew - Section 106
Hello, Just wondering if anyone has any information or guidance on this. I began my remortgage late August knowing that the mortgage rates will be increasing. I used Fluent money as my broker who were really helpful and got my offer confirmed by 27th September with Natwest. At the time of the offer, the rate was 3.59%.…
Selling House: How to Avoid £6k Mortgage early repayment fee?
hey all I've just sold my house. I have 2 months left of the fixed-term mortgage term (ends 2nd Feb 2023). the buyers need to close the sale on the 16th Dec My bank (Santander) have in their terms that early repayments incur a £6,000 charge (3% of the remaining balance of the mortgage). I'll be repaying it 6.5 weeks early.…
How long do funds from Leeds building society to solicitor take?
My solicitor requested the mortgage funds this morning from Leeds building society. Roughly how long will they take?

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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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