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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…
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Deposits for a new build
Hi can anyone help me? I have two questions I need help with. 1- I have seen a property for £280,000 and being told on the show around its £280,000 the estate agent’s have now told use they want £290,000 for the property? Is this how things happen? 2- we have also been told by our broker we need a 20% deposit if we would…
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Why be mortgage free?
Serious question. I understand that paying mortgage payments is something we’d rather do without, but honestly, I need help understanding the appeal of paying off a mortgage entirely. It seems to take an awful lot of effort and determination to get there, lots of sacrifice, only to be in a house where a huge amount of…
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Nearly there.. .
Hi, I'm working my way to becoming mortgage free. My fixed rate term expires at the end of the year by then I'll have approx £5k left. I'm wondering if it's worth getting a credit card to pay this final bit off rather than remortgage for another few months? I'm not sure how it works transferring £5k to my current account.…
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What would you do with this Mortgage situation.
Hi Guys, I haven't spoke with a financial advisor yet but looking for a quick steer on what you might do in this mortgage situation. Fixed rate mortgage term coming to an end. We took 145k, 25yr mortgage. We now have 77k over 11yrs left. Property maybe now worth 165k We have a lump sum of 60k which we could put into the…
