Mortgages & endowments

The Bank of England has held the base rate for the SIXTH consecutive time at 3.75%. We explain why, the latest predictions for when it could change, plus what it means for your mortgage and savings. Read the full story: https://www.moneysavingexpert.com/news/2026/09/base-rate-held-again-bank-of-england/

Morning Looking to help buy a house for our son, will need to borrow £35K - £40K for a few years until I retire and use some of the 25% tax free lump sum Is a Retirement Interest Only the best option ? Can it be repaid in full after 3 years ? Any recommendation on Building Societies that offer these and typical rates ? We…

Hi, Just looking for a bit of advice on whether it’s worth exploring a tracker or offset mortgage in the current climate. My 5-year fixed deal comes to an end in February 2027, and I should have around £49k left on the mortgage at that point. Originally, I was thinking of just clearing the mortgage completely once the…

Hi, I'm after some advice as I'm not sure what the best thing for me to do in my situation is. I have an offer accepted on a property and can fund the purchase without selling my current property. I will though be using a mortgage to fund the purchase. I will also be selling my current home but I don't have to do that i.e…

My friend has a Santander 5 year fixed rate mortgage from the attached deal. It is coming to an end in January next year and he is going to pay it off. The attached document states that there is 5% early repayment charge. Is that for early repayment within the 5 year fixed deal, or is it for early payment of the mortgage?…

Hi all. First of all, apologies for being a bit thick on this. I've looked online at various calculators etc and am still confused as I don't have a money brain. Our mortgage is up at the end of December. We have £87,700 left on our mortage and 10 years to go. We also have £20,000 in savings getting an interest rate of…

Looking for anyone who has successfully had a mortgage approved with Bluestone and may have similar background to me. We spoke to a broker at the end of July who said they had spoken to Bluestone and they would be happy to lend to us, they were shown our credit files. Background is low credit score for myself, husband not…

I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance! 

We’re looking at a house that we love that is £650,000 and considering a 95% LTV mortgage with Nationwide. Our combined income is approx £150,000 pa (base) and I had a default (communications provider) of approx £500 in 2023 which was satisfied that same year. I’m waiting to hear from my broker but wanted to gauge other…

I closed jan 2025 at 85% LTV. 35 yr mortgage with 2yr fixed 4.5% Looking to refinance now but home value has dropped a bit. The whole market came down as you know Despite doing monthly payments my mortgage balance declined very little as they all went to interest. Now I feel I may be at >85% LTV what happens now…

Hi, I’d appreciate some thoughts as I’m pulling my hair out here!! We are in the process of selling our house and buying another. Due to adverse credit my partner needs a specialist lender and has had a nightmare with a dodgy broker messing him around so wasted weeks on mortgage search. We contacted Simply in August and…

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…

Hi, I'm looking for some advice and first hand experience/knowledge from people who have either gone through this, or who work in the mortgage industry. My partner and I have found our perfect property and our offer was accepted by the vendors a few weeks ago. We've been working with an independent mortgage broker and…

If you would please take the time to read the scenario, I would be extremely grateful for advice especially as it's quite urgent as wheels have been set in motion. Also, if you feel you can even offer your services too to seal the deal. Firstly, I am representing my brother as he is working hard this week and doesn't have…

oh this is a tough one after the big part of my mortgage being on sub 1% for the last 5 years, coming to an end at the end of the year 😔 I can lock in with my current provider from now and see how things goes over the next few months, still hard to know which one to pick though! Their best offers at the moment 2 year…

I'm currently looking for a mortgage to replace an expiring interest only loan. I'm being quoted interest rates of 8% for RIO and 9.4% for equity release via age partnership. Can I contact other brokers, or will they be the same?

Hi everyone, I'd appreciate a few pointers here as a total beginner and my situation is a bit uncommon (I think?). I am on UC and ADP, and I work a part time seasonal job. Due to disability I have never been able to work full time and earn a 'proper' salary, my current job takes most of my energy to sustain and I doubt…

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…

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.…

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…