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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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Special Guardianship Order & a gifted deposit
Hi all, My partner and I are looking to buy our first house in Wiltshire. To help us, my partner’s parents would like to gift us £10,000 towards the deposit. They aren’t her biological or adoptive parents. She was placed with them under a Special Guardianship Order when she was a child and lived with them until she moved…
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Do you think we could get a mortgage...?
Current situation is that I live in a mortgaged property that I own with my ex partner, whos now moved out. He is asking me to sell the property or buy him out, but on my own, i wont get the mortgage, therefore I am looking at the possibility of getting a mortgage with my Dad, for him to move in and to enable me to buy my…
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Overpaying two-part mortgage
I'm seeking some thoughts on overpaying mortgages. I've looked at other threads but our circumstances are slightly different to scenarios in those hence this post. We have a two-part mortgage having ported previous mortgage and taken on extra borrowing for a house purchase 5 years ago. Now one part has reached the end of…
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Should we max ourselves out on our mortgage?
Husband and I (32M and 29F) are looking to buy our forever home but not sure if we would be stretching ourselves too thin. We have considerable equity in our current home due to my parents helping us get on the property ladder 6 years ago. Figures House price: £700k listing price Deposit: £250k Mortgage: £450k @ ~3.9%…
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Mortgage final checks
Due to complete in a couple weeks mortgage with skipton what are the final checks likely to be just a final credit check or bank statements and payslips want to have everything ready for completion
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Remortgage conveyancing timings
Hi, I am in process of remortgaging to a diffefent lender and already got a mortgage offer, conveyancer has my signed mortgage deed and their portal says nothing is outstanding as of yesterday (19/09). My current lender is Nationwide and ny current deal runs out at the end of this month. I left remortgaging quite late, as…
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Second Home as shared Ownership
Me and my partner recently purchased by first home as a first-time buyer 4 months back. Both of us are working in same company which is now planning to close it's facility and making us terminate from position. My partner found job in oxford and we want to move there. While looking for renting options, even single bedroom…
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Are we expecting the BOE Base Rate to drop to 3.75% on the 6th November 2025?
Potential for 3.5% by year end?
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Mortgage when splitting with partner
This is probably more legal but I'm not sure where to post so sorry if this is incorrect. I'll also be getting proper legal advice. This is more a "what can I expect" sort of request I bought my home with my ex husband in 2016. We divorced and had a gentlemen's agreement about the equity. My new partner moved in mid 2019.…
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Joint mortgage agreed in principle, but an old pay day loan from 2018 has appeared on my file?
So me and the Mrs have had a joint mortgage agreed in principle on a £370k house with a deposit of around £135k. We have had our mortgage approved in principle through a broker and through RBS. I had some pay day loan history back in 2016-2018. This should be off my file, but one company, The Money Platform, have for some…
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Recommend a good conveyancer
I have made an offer on a house which has been accepted. I need a good conveyancer as don't believe some of the reviews online. Please recommend based on your experience of their service.
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My buyer's mortgage blocked by drain issues
My buyer's bank was blocked getting his mortgage, as their homebuyers 2 survey ideitified supposed drain issues due to a collapsed pipe. I got the water board company (Severn Trent) to perform a full CCTV inspection and there was no collapsed pipe and water was free flowing. They generated a report via email. Will this…
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Merged: Prefect credit report but still rejected
This discussion has been merged.
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Remortgage - Affordability Question
Hi, I am due to remortgage in June 2026 and am currently roughly half way through paying off a 10k loan at £211 per month - I know this will be taken into account for affordability at remortgage stage and wondered if it would be better for me to take out a new 5 year loan for the 5k balance (which would reduce my monthly…
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Advice on broker needed
Please excuse my niaivity, I have been speaking to an advisor and they seem to think with the situation I'm in I can get a mortgage offer, but as it's a relatively low deposit the monthly payments would be possibly too high. I said I may need to wait until April when I can save up another chunk and get another £1k, ie 5k…
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Can I mortgage my french property to release cash
Hi, My husband and I own a property with no mortgage in Brittany, France. We've had it for approx 20 years. We would like to access some of the money in the property. How can we go about this? Is it possible to get a mortgage or loan with a french bank even though we don't live in it. It is just a second home, we do not…
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Help To Buy - Remortgage to pay loan
Hi, We're looking at remortgaging and paying off the full H2B loan. Does anyone know the process for this? It's probably just me but the Gov. site is confusing and contradicts itself. The "Request to remortgage and borrow more money form" doesn't allow you to provide any information to confirm how much you pay off. Any…
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RBS One account changing to use their app
Hi all, currently got a One account that is switching to using RBS for app and online banking access. I’ve registered and logged in but can only see the mortgage balance and transactions to the main account - not of the additional pots are visible or usable. Is anyone else going through the change and seen what I must have…
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Releasing Cash from House
We are a retired couple, no dependents aged 69 & 70. House value is circa £220k and we are looking for some advice as to release some cash to enjoy during the last few years on this planet. We are not planning on leaving a "big" will to any relatives. Our thoughts are if we can leverage as much as we can (up to 50%?) of…
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Equity Release Advice
Where is the best place to get honest and straight forward advice on getting Equity Release? We are in a crisis over a bank charge on our home due to a security given for our business, which went into administration 3 years ago. My husband is 76 and I am 73. The house only has 23k left to pay on mortgage and the equity is…
