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Removing a Charge in Scotland
Just paid off my mortgage and in the termination letter am told that I must employ a solicitor to remove the charge from virgin. Any ideas how much this would cost me and how to go about finding a reasonable solicitor?
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Try again and try harder
Last years money saving plans went right out of the window as did lots of my other plans .I have been waiting for today ,for a new year to try and motivate myself back in to action so here i am again.. I am afraid my numbers are more or less the same , i paid off several debts last year as i was afraid that if my husband…
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Mortgage Rates
Hi all, hope everyone is well. I was just looking for a bit of advice really, I’m a first time buyer and Ive been offered a mortgage but the rates is 4.47% and it’s fixed for two years. My questions is what happens after the two years ? How do I get better rates, will I have to remortgage ? Many thanks in advance, simon
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Big mortgage - Big dreams
Hi everybody. New to this group after a long stint when I was successfully working to become debt free, something I finally achieved earlier this year. After debt-free wannabe, this feels like the grown ups board! My current situation is that I have an interest free mortgage of around £300k, and am currently on a long term…
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Green Bean's Mortage-Free Dream
This is a bit premature but I've been lurking in the background on this forum for a while and I'm hoping that setting up a diary of my own will help keep me motivated and accountable for what feels like a very long slog ahead. I'm 21 and have just started by first proper (post-uni) job, which pays 23k pre-tax, and I'm…
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Need help to keep on track
Hi all first time I’ve ever posted on here, so not sure if I’m even doing it right, I’m not really up to speed with technology haha! Anyhow here goes. I’m in my 50’s, have a mortgage of £56000 left to pay, I can’t make any more overpayments until October 2022. I have no other debt just the usual bills and stuff but I do…
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Mortgage
I've came to the end of my 5 year fixed and got 5grand left to pay to my mortgage whats the best way forward
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Thought it was time to join
Hi all, Long-time lurker, first time poster. Hope everyone is good! I've just had my letter through from my mortgage lender confirming that I've now repaid it in full. So happy it's finally done - inspired by this thread; I decided about 6 years ago to focus on paying it off as I wanted to change career which would mean a…
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Buying new house roof’s leaking and need new roof
Hello everyone, I am planing to buy a house and the offer has been accepted. Bank did valuation survey and said roof need replacing and also house have dampness on one of the external wall. How can we solve this issue.? I don’t have enough cash to get the roof replaced once I get the keys. House itself from internal need…
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Joint mortgages and guarantors
Edit: Just realised I posted this in the wrong place. Apologies. If an admin could please delete this I'd appreciate it.
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31yo with mortgage and savings. Is there a better way of doing this?
Hello, I'm currently on a tracker with nationwide 1.39% I expect to be happy living in my home for atleast the next 3 years possibly longer. I think interest rates can and will go up very soon. So I'm looking to fix I currently have 110k remaining on my mortgage 24.9 years remain paying 450pm. I've never over paid😬due to…
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Do we pay off our mortgage or draw down cash and put into my AVC towards my pension??
First post..looking for some advice please We have overpaid our mortgage over the years and we now have a very small amount left to pay - around £1000, which will be paid within the next couple of months although the mortgage term is not due to end until in August 2023. We wondered if we should draw down some money from…
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Online Portals for checking account
Hello, My mortgage is due for renewal and rates are comparable against lenders. What would really help me going forward would be any lenders which have an online portal to allow me to regularly check balance and received overpayments, etc. Does anyone know of any lenders which provide this service? Trying to get through to…
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9-6 next year.
Mortgage free date is almost on the horizon. 35.25k over 13 yrs. Have ramped up repayments to set from Sept 100 pounds overpayment from standard 250 per month 1.74% 2 yr fix. Early into 2022 I am to increase further to 200 pounds overpayment 450 per month. Which means reducing new term from 9 years to just over 6 years. I…
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Mortgage Letters - Paperless
Hello, Often my post gets mixed up with another street around the corner, which has a very similar street name. Unfortunately is human error by the various postman. We often take the post around to the correct house, but rarely get any back. All my banking is paperless however my mortgage letters are not - do you know if…
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Help finding my balance
Hi All I enjoy coming on here to read inspiring stories and would love to be mortgage free. I am struggling to find a right balance and not be too obsessive about saving every penny and try to enjoy life as well as plan for the future. I have got to what feels like a junction at my life and I am not sure how I should…
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Hope to be mortgage free in 2 years when I am 38 - Single Female
This is my first post on this account, although I set it up last year and meant to post then, but just didn't get round to posting. In that time though, I have been following many other peoples MF diarys with interest and thought it was time that I finally started my own. The reason is, because although I've followed many…
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Mortgage doesn’t seem worthy
Hi guys, I just wanted to rant a little about how mortgages are so complicated. I mean there’s a lot of thinking that has to be done and so much research that it’s not even really worth it! It seems like it would be much easier saving money to avoid getting frustated. I’ve been saving for few years now and I have about…
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A roof over the Floof's head
Can I join your MFW gang, please? I have a dream of being mortgage-free by the time I'm 50 - I'm pretty consumed by this idea, to be honest. The idea of having more financial freedom, and always having a secure roof over our heads, is just so beguiling! We were relatively late to buying a house - we bought the house at the…
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Mortgage freedom..Shala_moo's attempt at a diary..
Hi everyone.. I love to read everyone's diaries but i don't get to post much as I get easily distracted by links to other diaries/websites/adverts and lose myself in the weird world of the interweb.. :o I've decided I need to keep myself on track as we are about to take on a larger mortgage, moving to our dream house, and…
