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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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Cashback sites to pay into mortgage
has anyone ever usedcashbacksites to pay extra into their mortgage. Want to do this as obviously it all adds up and may as well join one. Anyone got advice for the best sites etc
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What happens when i can no longer pay the mortgage
Hello, need some guidance please, my company that i run has just been dissolved and I'm trying to start another company as I do have the basis of a small business that I can run but the start of it for the next couple of years is going to be tough with a small income, but I have done this for 45 years, I'm 64 in a couple…
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Amending trust of deed form 90/10 split to 50/50
Hello. How easy is it to amend a trust of deed between two people not married from 90/10 to 50/50. I believe there is no mortgage on it or a very small one. According to ai they can do it for free by printing out forms and having a witness signing it . But i doubt that. Also how much would a solicitor charge for this…
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Vulnerable Adult son needs a home
So. I have three adult sons and one lives like a teenager in seedy digs living hand to mouth and financially because of his career (Care worker) and poor credit history he has no chance of getting a mortgage (so advisor told me today). He is also Bipolar and life is very hard for him. So, I remarried at 55 and own 50…
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Lloyds tracker rates for Club/Premier customers
Anyone know anything about the "preferential rates" that Lloyds Club and Premier customers get? Their 2 year tracker is 4.06% and apparently this goes down by a further 0.2% But I need to know if this is for Club customers, or only available to Premier current account holders. Either way this seems to me to be an awesome…
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Mortgage Application with defaults- Whats the Criteria
Hello, I’m hoping to get some insight from a mortgage broker regarding my current credit situation and my chances of getting a mortgage. I currently have 2 defaults (registered less than a year ago, totaling £15k) and 5 other debts (totaling £17k) that are currently on a payment plan/DMP. My plan is to offer a full and…
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I lock in my mortgage NOW or sweat it out for more time.... [SOLVED]
I made a post in June My nationwide mortgage is up for renewal by the end of October this year I have now been given a mortgage offer and now a new revision and its gone up slightly At the moment I have NO INCOME. So I cannot switch providers so am thinking of a 5 year fixed deal. However this IRAN stuff is still to this…
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FTB - Choosing mortgage broker and Solicitor
Hi everyone, I am a FTB, had offer accepted for a flat yesterday and started looking for mortgage brokers and solicitors since. I think I have a fairly straightforward mortgage case with full time job, borrowing close to 3 times of my annual base income and no adverse credit history or missed payments. The selling agent…
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Offset mortgage to retain ISA wrapper, or repay?
I’m 42, single, earning £55k and doing the usual MSE things: maxing matching pension contributions (and on-track to be comfortable) and regularly investing into an S&S ISA. I have a £50k interest-only mortgage fixed at 1.6% until November 2026. I’ve also saved £50k in Cash ISAs with the intention of repaying it. I’m now…
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Please help me decide option 1 or 2
Hello, I think I have 2 options and right now I just don't know what to do and so I am hoping someone can help me see a bit clearer. Background - I inherited a house worth £475k. Mortgage owing is £167000. I have high priority debt (tax). My broker has found a mortgage of £215k which will pay off the mortgage and my debt.…
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Redeeming mortgage
We would be £1900 to redeem the mortgage vs porting it. I did google it it reckons I’m better paying a new 5 year deal as we are due 3 interest rate spikes and chances of getting a good deal in 2 years are quite low? Is that the general feeling out there?
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London & Country (L & C)
Hi Can anybody share their experiences with getting a mortgage from these guys please? Many thanks.
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Lifetime interest only mortgage
We are aged 71 and 72 with a mortgage free semi detached Victorian house which we have lived in for just under 40 years. Recently we have had to replace our car (20 year old citroen berlingo died on the motorway) and have had to replace our leaking foam sprayed roof. We still owe the builder £4000. This has wiped out our…
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Monthly payments or micropayments to the mortgage
Hi We are at the stage of wanting to repay our mortgage early. The mortgage is with Barclays and we can pay 10% a year without fees. My question is do we save money over the month and throw £500+ as an extra payment or do smaller payments over the month when money is available. As the interest is calculated daily, would a…
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Moving house with debt possible?
we bought a house January 2022 with mortgage. But over the last four years, we built up debt around £30k from renovation/house improvement and childcare costs. My partner’s been trying to pay it off, but mostly seem to be paying off the interests with the money left over each month. We’re thinking of moving to another…
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First time buyer - affordability checks.
I’m 35, never owned a home and my partner is 45, previously owned a home years ago and now renting. We have a combined income of around 35k. Me 12k (self employed, part time) and my partner 25k, full time. We have a deposit of around 16k and are looking at houses around the 160k mark. I’m unsure whether I would qualify for…
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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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Off plan contract cancel for an appartment in Liverpool
Summary:In 2024, I exchanged contracts for an off-plan apartment in Liverpool developed by Nexus Residential and sold through RWinvest, paying a deposit of over £60,000. Timeline & Issues: October 2025: RWinvest notified me that completion was scheduled for January 2026 and instructed me to arrange a mortgage. January…
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Perfect credit history… with 1 missed payment
For a bit of background, I’m lucky to have a healthy income from secure employment, a handful of credit cards which I’ve always paid on time, a mortgage on the house in which I live that I’ve always paid on time, and a couple of mortgages on BTLs which I’ve also always paid on time. I don’t have any unsecured interest…
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when a 2 year fixed rate is not 24 months!
I am about to remortgage one of my buy to let mortgages with the Mortgage Works and have spotted something that I really don't understand and hope someone can enlighten me. My current deal ends 31/10/26 and have just been told I can look at my options now. The one that looks the best is to take a fixed rate of 5.74%…
