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Mortgages & Endowments sticky
Please be aware of the MSE Forum rules when posting on this board, notably: * If using the Forum as a professional, please note that posting on behalf of your business is only permitted if you are an MSE verified user. * Advertising and spam are not permitted. * Do not share any personal information, such as your own or…
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Money Moral Dilemma: My ex owes me £4,000 I paid in mortgage fees - how do I get it back?
This week's MoneySaver who wants advice asks… My partner and I recently split. We had a five-year fixed-rate mortgage, and he wanted to transfer it to his new house. I agreed so we wouldn't have to pay an £8,000 early repayment charge. But he hadn't completed on his new place when we sold our house, so we each paid £4,000…
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Next steps with mortgage broker compensation claim.
Sorry, this is a bit of a long one. Our mortgage broker made an error which resulted in us losing a mortgage deal (I’ve posted about it previously here: Previous post). They have admitted the mistake, and we’ve been going back and forth over their compensation offer. Because rates increased sharply at the time, our…
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YBS refusing to cancel pending product transfer despite clear mistake – serious financial impact
Hi all, First of all I think this is the best category I can post it to - apologies if its in the wrong place. I’m hoping someone can offer guidance or share experience, because I’m in a very difficult situation with Yorkshire Building Society and I’m struggling to see a way forward. What happened On 8 April I selected a…
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To fix or not to fix!
Our new mortgage will start on the 1st July, was really hoping the rates would come down over the last couple of months but no joy and thanks to the middle east conflict they're creeping up slightly. Managed to fix a couple of months ago with existing provider at 4.88%, if I'd have been quicker off the mark I could have…
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Endowment mortgage has come to an end, what are we going to do?
Hi everyone, I am hoping to get some advice here. Our endowment mortgage has come to an end and we do not have a policy in place to repay it. Our mortgage provider, who we have been with for the 25 year period, has said we can convert to a repayment mortgage but will have to apply for this like it is a new mortgage…
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Remortgage hell
Hello i am looking for some positive help. We have recently sold our house and had an offer accepted on new house. Our mortgage advisor has applied first off with our Current lender who said no. He then tried the Cumberland Building Society who are also looking like they will say no. The problem is my old dmp. Its full…
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Close to new mortgage deal offer but ZERO INCOME
My nationwide mortgage is up for renewal by the end of October this year Apparently they give the new mortgage deals 3-4 months in advance so this month or next. At the moment I have NO INCOME. I do not want to spook the process of searching for a new deal stating that I have no income as I feel that it would go against me…
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Standard Life haven't removed the charge
Hello everyone, First time here and desperate for advice. We paid our mortgage off 14 years ago. We are now about to sell the house, but it turns out that the lender (Standard Life) never removed the charge on the property. I've been asking them for 10 weeks to sort this out but feel I'm getting nowhere. Part vent, part…
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Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
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What percentage to buy?
Hey just after some advice. 35, live with parents. Currently salary £28,100. Tend to come out with about £1,900 after tax/insurance each month. Salary sacrifice 7% into pension. I have seen an upside down house with wrap around garden, 25% share for £56,250. https://www.rightmove.co.uk/properties/87903045#/?channel=RES_BUY…
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mortgage availability regs for build over problems
There have been a few threads regarding lack of build over agreements for pre 2011 conservatories so apologies if I'm repeating one but I couldn't find any that throw light on mortgage lenders approach to this. I'm really worried about selling my house that I inherited with it's 1980s small conservatory built over a sewage…
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Remortage frustration
Currently remortgaging for the first time. My broker lead me to believe it would all be straightforward but this week has been a pain. Not exactly their fault, I guess, but I will be making a suggestion afterwards so they can make sure future client experiences better. They initiated the application and then the legal and…
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Missing £60k Mortgage Redemption Payment
Hi (please bere with me as it's my first (2nd actually I think 😬) post)......Paid off my Nat West mortgage of around £60k back on 15th April 2026. After a week or two I hadn't received any formal confirmation. Rang them up and was told I would not receive deeds etc to my property as all electronic now. Then started…
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Finding a local mortgage broker
Hi all Just curious, if I am looking for a local whole of market mortgage broker can I please have your recommendations for a site to search with please. Thanks as always
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BTL remortgage dilemma
My brother and I own a rental property which has about 16 years left on the term. We intend to keep it The current mortgage rate expires this summer so we need to remortgage but the broker and bank fees for fixed mortgages are £2.5k. The broker has access to the whole market. The comparable option would be to stay with the…
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How to buy a house for son with disabilities
Our money is mainly in our home. We have about 40k in savings. Otherwise we live on our state pensions and a small income from airbnb. We have 2 adult sons, one with autism who can’t work and is on PIP and ESA. His housing is very insecure and we have decided we would like to buy him a house nearer us and his brother. The…
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Can I Embark on Equity Release with this Problem?
Hope someone can help! Bit of backstory…. My ex-wife and I have been divorced for fourteen years but never really settled financially. At the time of divorce, we owned two properties. A property 200 miles away in Dorset that my mother lived in, and was in my ex-wife’s name (for tax purposes), and is now worth £200k…
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How best to proceed
Hello My husband and I are currently looking for some advice for moving us forward and getting on the property ladder here in Scotland. Our situation: We have no adverse credit on our credit records (all three), have no missed payments etc We have £10,500 in credit card balances (all 3 on 0%) We have £10,600 personal loan…
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Guide: Getting a mortgage when you're older or in retirement
Hi all, This is the discussion thread for the Getting a mortgage in later life or retirement guide. If you haven't already, join the forum to reply.
