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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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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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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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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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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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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…
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Getting a mortgage!
Hello iv managed to reduce my debt and boost my score currently at (567) and been paying on time for 2 years now I still owe about 3k of debt and was thinking to get a loan from my bank to pay this off and only have one payment instead of multiple? I don’t want this to be a negative on my score tho for the mortgage we are…
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Nationwide £500+ overpayment.
Just a query really as I've searched and can not find an answer. I've been making small overpayments on our mortgage, which have been reducing our balance. This month I have made an overpayment of £650. I have it set, so that an overpayments over £500 will reduce my term. My balance reflects the £650 payment, which should…
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Gifted deposit query
Hello. A year ago my Father “gifted” me a large sum of money towards my new home. It was given with no expectation to repay and we filled in the gifted deposit form with my mortgage provider to confirm this. However, I’m now in a financial position to be able to repay this and was going to start making monthly payments to…
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Charging order on house preventing sale
Apologies if this is not the correct forum Long story short, dad is an idiot with money resulting in a charging order the house (more than one!) Parents are at the point of exchange/completion to then be told they can’t as they cannot find the owner of one the charging orders to pay it. It was originally with the British…
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Am I too cautious?
I staircased to 100%, I now have: primary mortgage £29,000 at 1.4% until April 2026 Secondary mortgage £125,000 at 3.97% until November 2027. (both 11years term)Per month that amounts to about £1500. My bills come to £500/month. I have £5000 on a 0%interest card which I am paying off £200/month. I have £15,000 in savings…
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Equity?
Hi I am confused as it seems like my equity in my home isn't going up even when I am making payments. Some background I have 20 years left of on mortgage paying £364.94/month and my mortgage account is 58,617.00. My house is worth 120k. Last month I calculated that my equity would be £61,598 but now I calculate it is…
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Remortgage to Savings - Any pitfalls to be aware?
Probably a very strange question but I need to have a significant sum of money in a savings account untouched for at least 6 months, possibly a year. I have no mortgage currently on my property so was looking at options to borrow the money so it doesn't affect any of my existing savings as I would lose ISA allowance. Best…
