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Engage credit
Engage credit the vulture company stopped me from moving away for a better deal by putting faulse information on my credit file id there anything i can do about this appart from disputing with my credit file
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Impossible to get a mortgage as a single man?
Hi I hope you are all well, Ive just come for some advice really. im trying to get my own home. Private renting seems to expensive. I have two kids but separated with partner. (Her choice) and I’m living with my grandparents at 34 years old. i really want my own place. I have 33k saved for a deposit. Taken 6 years to save.…
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Can you part own a house with someone and charge rent for the bit you own?
Good morning. I already own a home, but a family member has purchased a bungalow recently. Money is a bit tight for them and I wondered if it would be possible for me to buy half the property from them so they have some capital, and maybe charge them a little rent for the half i have purchased (bit like shared ownership…
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Lender treating service charge like ground rent
Hi there We've run into a bit of an issue during a house purchase, and I just wanted to know how this compares to others. We are purchasing a new build (small development, 30 or so houses) 3-bed detached house with garage, it has unadopted roads and drains. There's also a fairly large green area within and around the…
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Barclays - Is this how overpayments work? Thinking of switching to them from HSBC tracker.
Mortgage 186k Mortgage Payments 1k If I were to pick their 5 year fix for example, 3.95% Hypothetical Figures Monthly Mortgage Payment 1k Monthly Mortgage Overpayment £2999 (less than 3 months payments) 12 months payment = circa 48k, 36k overpayment balance. I can then ring and say I do not want to pay monthly anymore for…
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Variable rate
Hi all, as of October 2025 our mortgage will move from the fixed rate to variable rate as our house is on the market and we don’t wish to remortgage, we are just selling not buying another house after this one. As far as I understand the variable rate is whatever the Bank of England decides which is currently 4%. Our…
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Remortgage in 4 months + looking to put house on market - any watch outs? Do's / Don'ts?
Hi everyone Keen for thoughts and suggestions - Situation; Current mortgage - £220K - 24 year term, LTV of approx 40%, tracker of base + 0.14% (so 4.14% currently) Term finishes end of Dec 2025 - so I'm keen to explore options now and ideally get a good deal locked in. Nationwide offering deals inc tracker at base + 0.14%…
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Buy to let section 157 mortgage
Looking for advice on securing a buy to let mortgage on a section 157 house (we are local and rent but can’t afford a larger house at the moment). All the figures add up but Nat West say no. There must surely be some lenders out there?
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MSE News: Will mortgage rates fall? Should you fix now or wait? Brokers give their views
Average interest rates on two-year fixes are lower than those on five-year fixes for the first time since 2022, while the base rate now sits at 4% following a recent cut by the Bank of England. But what does all this mean for fixed rates looking forward – and should you fix your mortgage now or wait? Read the full story:…
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Home purchase mortgage for retired couple
As a couple 66 and 70 both retired only income is from pensions 36K after tax. Our property will be sold hopefully value 110k Looking at properties up to 190k we can put 80k deposit down. What are our chances and would we be better with a independent Broker? Thank you for reading .
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Understanding valuers report
Hi all, We are keen to purchase house. It is on 2 acres. It has a fairly big building on the land. This building has a B1 classification, which is now E class under the streamlined planning. We have had to valuers visit the property. They have deemed not able to value due to non residential elements. We want to understand…
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Advice on mortgage support loan
Hi I have just bought my home as of yesterday its a ex social housing home the only way I could ever afford to buy with the substantial discount as I got in just before labour destroyed it.. So my mortgage is £130k over a 25 year term I wont be having it that long I intend to have it gone within 10 years if all goes well..…
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Restriction a
My partner has a restriction a on his title deeds. This was put on just before the death of his wife as they have 3 children and I'm assuming its so that if anything happens to him, that his boys will be entitled to half of the house. There is no mortgage on the house and he's looking to get a small mortgage for home…
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Current Account Switch Before Mortgage Application -- Bad Idea?
I'm hoping to get on the housing ladder in the new year, but I'm tempted by First Direct's current account switch offer. I've been with my current bank for 14 years. I'm also tempted to open a Virgin current account so I can take advantage of their 6.5% regular saver. Is this a bad idea as I'll be applying for a mortgage…
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Reducing hours
Would we still be able to move house if we reduce hours part time but have a large deposit and a small mortgage of between 50-70 thousand? Or less than that
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getting a mortgage after being bought out with potential benefits
hi so long story short my wife and I have recently separated. she is buying me out of my split of the mortgage and earns significantly more money than me. I will be living with my parents. we have 2 young kids (4 and 8 months) and if I can get a place of my own after the buyout happens early next year we will be splitting…
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Remortgage
Hiya, hope someone can help. My current mortgage 4.51% fixed is due for renewal on March 2026 with Barclays. If I stay with them it would change to Tracker BEBR + 3.49%. Should I stay with Barclays or go for another fixed for 2 years
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Mortgage special condition advice
When we bought our house part of the special conditions of the mortgage was to do some repair work, we have completed most of the work and when we have had someone round for the last part we have been advised "not to bother" as we are planning on selling shortly so to just reduce the asking price if it gets brought up in a…
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Home Improvements vs Remortage House Value
Hi, We recently bought a contemporary Scandinavian new-build home on a housing estate, roughly 30 built out of 160 homes. However, only 1 of our house type, the new versions are of a much lower spec. The home are quite unusual, so not to everyone's taste, but we love it. When we purchased the property, it was EPC B, with…
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Equity Release: Fair fees and commission?
I'm sorting out Equity Release on behalf of my dad. I've used 2 registered advisors so far, to have some kind of due diligence on my part. (For reference this is to release £100K against a £500K house which has no securities and dad is a fit 80 year old). There's something just a bit "off" about it all - like in years to…
