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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…
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Must remember to keep it up to date !
Where to start ?! Well we purched our house just over 5 years ago and completed on my birthday. Back then it was just me and the wife ! We spent the first couple of years on a full renovation and it got to the point where we nearly burnt out as we both work 6 days a week so it was getting done in all our free time and we…
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New life. Here we go.....
Right then! New year. New house. New county. New driver. New (to me) car. New log burner (ch'yeah we got it!!). New Mortgage. New life. Here we go........ Hi! Thanks for popping in. Please feel free to post here and ask questions.
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Mortgage free but underwhelmed.
We have been following these threads in the background for years now and have taken inspiration from many along the way. We have been actively paying off our mortgage aggressively for the last 5 years and following an inheritance coming through we decided to pay it off altogether by adding some savings to what we…
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Paying off mortgage
My dad wants to pay off the remainder of my BTL mortgage. Now he wants to transfer the money directly to my mortgage provider . What are the implications of this as he’s elderly
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Elderbridge - Urgent help for vulnerable person please
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Should I pay off my Mortgage in Full now - as I am coiming to end of fixed rate.
Hi my fixed rate mortgage of 2.4% is coming to an end in about a month and a half, at that time it is due to go up to about 4.2%. When my fixed rate comes to an end there will be about £35,000 left on the mortgage. I have recently come into some cash from a will, which is a little more than the £35,000. Would i be best to…
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Interest Only Mortgage - Want to overpay on rented out property
Hi all, I have a mortgage broker looking at some deals for me and I just wanted to ask a question to put my mind at ease before I return on money. my property is worth £200,000 and remaining mortgage is £103,000. I was originally looking at repayment mortgages and they came out at around £470 a month. The interest only…
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The Edcawber Principle
I think I promised a new and improved positive diary earlier on in the summer :spam: I'll try my best to keep it short and sweet, (unlike my credit card statements). Cutting a long story short, after renovating the house and an accidental car purchase (hey, it could've been a house!) we are probably better candidates for…
