Mortgages & endowments

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Hi, My fixed rate mortgage doesn't end until 1 July 2027, but I keep seeing in the news that interest rates may rise 3 or 4 times before then. My current rate is 1.9% and available rates at the moment are 4.5%, which will be a big jump in my mortgage payment as it is. Am I better off fixing now and paying the penalty fee…

My 1.54% mortgage deal is ending. I have two loans - one is interest only, the other is repayment. Fixed rates are much higher, nearer 5% now. I'm fortunate enough to have saved well during the 5 year fixed rate, and am in a position to pay off the two loans. My question is, should I? Being mortgage free would be great,…

Hi, Not sure if on right page but here we go. If three people brought a house, how best can they help each other now get a property each, salary wise they are all on different stages, but can they use the current house to help get two more houses and keep current?

Hi there, I'm just after some advice. 5 years ago, I got a fixed term 5 year mortgage at 2.9%, which ends in January. A few months ago, out of no where, my long term partner of 10 years decided he wanted to break up and sell the flat. I managed to convince him to see the mortgage out, and the drop in flat prices in the…

What box to tick if a couple one is a First time buyer one owns a house mortgage free with his Mother,

Next year my husband and I will finally be paying off our mortgage. We're both in our 50's working full-time. I know there are possibilities of taking out a new mortgage and have read about the different types (probably we'd opt for capital repayment) but can we get one to buy a car, possibly avoiding higher loan interest…

Hi everyone I am hoping for some good honest advice please, as losing a bit of sleep on this one at the moment. I am a single 43 year-old with hopes to get on the property ladder soon after many years of renting. I am very lucky that I have a gift to assist with a deposit when the time comes, and work full time with a…

In September 2015 my parents took a further £13,200 from an Aviva lifetime-mortgage reserve. Aviva issued a fresh statement, applied a new fixed interest rate, showed the then-current balance and produced a new projection of the future debt. Could that 2015 release be treated as a separate actionable act/omission for…

So I've got my new mortgage offer in place. I was checking the nationwide site, app, 3rd party sites including a quick google. Google changes its info and backdates stuff even though I check daily. Im seeing 25th Sept it lowered which did not say that yesterday. So is there a geeky place to keep on top of it? Everytime I…

Has anyone ever managed to find a lender for a flat above a shop in category A1? Been turned down twice. Property is in Scotland.

Hello. Do Barclays lend for new windows and doors, as additional borrowing on a mortgage?

I watch this guy on youtube and he is in a pickle. I cannot post links yet, so search this on youtube. "tv repair community" For his latest video "So I'm saying goodbye now" I wonder how many others were/are in the same boat. I myself will now look to leave Lloyds/Halifax now, cos although I have only heard the one side,…

We complete on Monday, with the deposit, stamp duty and all other funds already with the solicitors from our current property sale. One of the Barclays mortgage conditions is to clear our existing credit commitments within 30 days of completion. How does this work, and how do we provide Barclays with confirmation once…

Ive had an offer accepted on a house for 225k. Going through the final stages of a divorce and the consent order has 125k in it which i currently cant access until all approved by judge. It should be accepted but paperwork still not sent off and I hear it can take 4 -10 weeks to be approved. As a last resort a family…

Can anyone shed some light on the best way to study CeMap? i have thought of buying the study material direct from London Institute of Banking and Finance and using all the study help they have available like past papers etc etc. OR is it better to study it through one of the many course providers? Such as simplyacademy,…

Happy Wednesday! This is more for having info. ready, however my current 5 year mortgage ends next June / July, expecting to leave me a few percent under 50% LTV. Having done some light searching around there doesn't seem to be any (many?) specific deals for this bracket, lowest typical mainstream I can find with Natwest /…

My mother died in August last year, leaving a considerable problem with her house. We have been unable to sell it - reducing the house over time from £529k to £450k, a reduction of £80k. We have had 4 estate agents, adding a gap between each to ensure that Rightmove don't regard it as stale. We have styled the interior so…

Hi all. Has anyone come across this website? My fixed term deal is coming to an end in about 3 months and I've previously used an idependent mortage advisor but saw this and wondered if it had any credibility.

Is it worth getting a mortgage broker? I dont forsee any difficulty getting a mortgage base on my finances and the amount im looking to borrow. Not sure if it would be quicker for me going directly to the lender or getting a broker involved. In the past ive always gone direct to lender but wondering now whether a broker…

The Bank of England has held the base rate for the SIXTH consecutive time at 3.75%. We explain why, the latest predictions for when it could change, plus what it means for your mortgage and savings. Read the full story: https://www.moneysavingexpert.com/news/2026/09/base-rate-held-again-bank-of-england/