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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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Beyond belief
I want to gift my daughter £10,000 £5k as gift and £5k as a loan, she is buying a property. I have just received an email with attached form to fill in requiring my passport as proof of id, bank statements to prove its my money where the money has come from etc. I am not sure if this is because daughter was short of…
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Advice - Mortgage
Hi guys, need some general advice please. My current Natwest mortgage finishes in December 2025 and have exactly 2 years left from Jan 26. My balance is £57,000 which is £13,000 capital and interest, and £44,000 interest only. I have just received a payment into my bank account of £37,000 endowment payment for the £44k…
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Is it smart to go on a tracker mortgage right now?
Hi all - not a financial expert in any way, so hoping your some help here. My mortgage is due for renewal, but I am possible moving abroad towards the end next year (waiting to sort a few logistical things). The shortest mortgage i can find at any sensible rate is 2 years, and I have the option of a fixed with an early…
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UK citizen has Portugal visa mortgage
Im presently residing ans working self employed three years in Portugal but UK citizen and bank account, in both countries I want to buy house to a house in the uk with and rent out to my brother What are my options available? Any advise appreciated
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Remortgaging vs simply product switching with same lender
So I’m about 4-5 months away from the end of my 5 year fixed term and have been contacted by my broker who organised original mortgage back in early 2021 about handling my remortgage / looking at options. I do understand that every situation is different but have people actually made worthwhile savings by moving lenders at…
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countrywide corporate property services
We have manged to get back in our house that was repossessed, the lender used Countrywide corporate property services to look after the property and upon our return to the house we became aware that a number of our possessions were missing including a tv ,shark vacuum cleaner ,Alexa's and other items. They are denying any…
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Port or pay off?
Thought we had made a decision but after phone calls with mortgage provider today, having a wobble! Husband inherited late Father In Laws house, worth £210,000, to be split equally between him and Sister. No mortgage on this house We have had work done on the house for us to move in (using a loan and credit cards which has…
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Need Advice: Renew Now at 4.18% or Wait for Possible BoE Rate Cut?
Hi all, I’m renewing my mortgage with NatWest and really want to avoid their 6.99% follow-on rate on 1/1. They’re currently offering me a 4.18% 2-year fixed, but with the BoE meeting on 18/12, I’m wondering if it’s worth waiting in case rates drop. My concern is whether waiting until after 18/12 would leave enough time for…
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HSBC most cost effective way to Product Switch, Change Term, Combine Accounts AND Take out £10k
HSBC Tracker Mortgage Currently (18 months to go) Account 1 - 156k Account 2 - 29k Want to product switch to a fix, reduce term to 25 years, and take out approx 14k to take me to 200k. Ideally wanting one mortgage account. Is it worth product switching and taking the addititonal borrowing at same time and then waiting a…
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The Ultimate Mortgage Calculator discussion
Update 19 October 2010 We have spent the last few months expanding this, hopefully making it... erm, ultimate-er?! It has new calculators, including: - Offsetting vs Savings/Mortgage - How much can I borrow? - Compare 2 fixed rates - Should I save or repay mortgage? Would be great to know what you think, and especially if…
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New Mortgage with past adverse credit
Hello everybody, Been scrolling these pages for a long time but 1st time post. I have a question and if anybody has an answer for me that would be great and muchly appreciated! So me and my wife sold our house at the end September 2025 and have moved into her parents house for the moment. The reason for selling was due to…
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Divorce re-mortgage advice needed, mid 50s, low income
Hi all, a family relative is going through a divorce at present and is struggling to understand what his options are in terms of being able to stay in his house. he is going through a divorce (at some point in the near future) and is currently living in the property. He understands that his wife is entitled to her half of…
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Remortgage Issue
Hi, I’m going through my remortgage, the problem isn’t with the remortgage itself, it’s to do with my old solicitors who I purchased the house through they’ve put an application on the title of June this year without my knowledge as the land registry had put a restriction on the title, which they’ve then tried to remove…
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Pay off mortgage in full with ERC?
I'm clear on the bigger picture here but I'm tying myself in knots with this one, so any advice/ideas appreciated! Mortgage balance is around 220k with on property worth 650k. Fixed at 3.99% until Jan 2030. ERC of 5% applies until Jan 2027 (when it reduces by 1pp/year). Overpayments allowed without charge up to…
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I would love to be mortage free but...
As per the title i would love to be mortage free but there is a few things that is also conflicting me. Husband and I own a home ( well not fullt because we still owe the mortage) and we are not planning to move house. We currently have 55k left on mortage and if we hammer down the mortage we could potentially get it paid…
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Deleted, ignore.
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Mortgage extension
Hi all, Just a quick question if someone in the know could assist I’d be grateful to calm my nerves. We need to get a mortgage extension next week as we’re almost there with the exchange but been issues with our seller in finding a place. Now, since mortgage application I’ve run up some debt in a credit card which I have…
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Endowment Policy
I have been divorced for nearly 12 years but when I was married, both myself and my ex husband took out a joint endowment mortgage buying our new home (in approx 1999) At some point after this (prob 2009) we switched to a joint repayment mortgage. Whenever I ask my ex husband what happened to the endowment policy, he…
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Small Building Societies - good for awkward situation?
DD and her partner have found a property they'd like to buy. He has a Lifetime ISA, and it seems that there's a good chance that they could get the nominal price to be £450k. However, he is currently a PhD student, so on a stipend. Even though he earns more than DD (who's got a "proper job") the rules that lenders work on…
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Product Transfer with Barclays
Hi there Just looking for some answers please. we are currently with Barclays coming to end of our 5 year fixed. We are wanting to do a product transfer and Barclays sent us this in the app. However we already had booked a phone call with our mortgage advisor as this was free. They are going ahead with the product transfer…
