Mortgages & endowments

Me and my wife currently have a 3 year mortgage with about 2.5yrs left. Both are currently UK tax payers. I have the possibility of working overseas for 2 years (possibly longer) earning a tax free salary, my wife will remain in the UK. I am also a military veteran with a military pension which will remain UK taxable even…

My deal with Virgin Money ends at the end of March 2027. How are the remortgage rates looking for Virgin?…I can't seem to view any online and as I am more then 4 months away can't do anything yet. I did read there are no charges for switch to a new product with them, just wondering how competative it would be comapred to…

Mortgage rates have been on the up over the last several months, with fixes under 5% now limited and sub-2% deals a distant memory. But where will rates go from here? And should you fix your mortgage now or wait? Read the full story: https://www.moneysavingexpert.com/news/2026/10/mortgage-rates-broker-forecast/ If you…

Is there such a thing as a hybrid mortgage, where some of it attracts interest on a fixed basis, and some on a variable/tracker basis? Could be good for those finding it hard to choose! A bit like getting 2 mortgages from the same lender on the same property for part of the total. Obvs it would get complicated with early…

Hi everyone, I’m a first-time buyer purchasing a freehold ex-council property and have encountered an issue with the 10-year Right-to-Buy restriction under Section 156A of the Housing Act 1985. The sellers purchased the property from the Council in September 2020, so the restriction remains on the Land Registry title until…

PRIMIS are an absolute nightmare to communicate with. They are trying to me out of £2053. The guy I’m dealing with ([Removed by Forum Team]) is an absolute stubborn moron who has calculated my compensation incorrectly. I’ve asked it to be referred to his manager or superior and he’s refusing. PRIMIS don’t have a…

Been on a StepChange DMP for around 5 years with no missed payments and have roughly £16.5k left outstanding, all now owned by debt purchasers. A family member is planning to gift me around £15k and I'm wondering whether it's worth exploring full and final settlements through StepChange. Has anyone had success settling…

I will provide my current status but I dont think it is overly relevant to the advice I am looking for Current mortgage is 137k outstanding, rate is 3.23% fixed until January 2028. 25 years remaining. Currently overpaying by 137 pounds a month so paying put 800 a month. We are looking to borrow a further 30-40k to do home…

I'm buying a house and the purchase has been dragging on for months. We still haven't exchanged because the seller needs their mortgage lender's consent to proceed with the sale. I've been told the lender has been holding things up for several weeks. The seller says they're chasing, but there's still no decision or clear…

Looking for someone savvy with poor credit and first time buyers specifically in Scotland. I have an active DMP with a debt management company. Debt accrued due to change in circumstances over a year or two rather than long term poor financial management. I have the opportunity to offer a partial settlement to become debt…

I took Many thanks.

Lender says they can't lend the full amount I need. Does this count as a 'Decline' if I apply somewhere else? Fed up with the broker who said they were WoM and recommended this lender - it is time to speak to another broker? I am a FTB my LTV is 67%. Please advise - I am so deflated after waiting three, long weeks. Loads…

Hi all, We’ve had our mortgage around 5yrs and remortgaged once prior. We have a fixed deal due to end 31/07/2027 and have now reserved a new build with an expected completion date of April/May 2027. Porting seems like our best/only option given the ERC would be triggered if we didn’t. However really unsure on the best…

Hi, Not sure if on right page but here we go. If three people brought a house, how best can they help each other now get a property each, salary wise they are all on different stages, but can they use the current house to help get two more houses and keep current?

I've recently switched my mortgage from Halifax to Lloyds. When with the Halifax, I'd often make overpayments one month and then would underpay a subsequent month and when I did this, the underpayments were taken from the built up overpayment fund and my overpayment allowance was restored. E.g. if I paid my contractual…

Hello, is anyone currently have a mortgage application ongoing with West brom, it's been 5 weeks and still no offer! Our broker has said it's with the senior underwriter for final sign off but I just do not understand why it is taking so long, valuation was done straight way and passed no issues, and the only additional…

My 1.54% mortgage deal is ending. I have two loans - one is interest only, the other is repayment. Fixed rates are much higher, nearer 5% now. I'm fortunate enough to have saved well during the 5 year fixed rate, and am in a position to pay off the two loans. My question is, should I? Being mortgage free would be great,…

Hi, My fixed rate mortgage doesn't end until 1 July 2027, but I keep seeing in the news that interest rates may rise 3 or 4 times before then. My current rate is 1.9% and available rates at the moment are 4.5%, which will be a big jump in my mortgage payment as it is. Am I better off fixing now and paying the penalty fee…

Hello everyone, I'd appreciate some thoughts and advice on my situation which is going round-and-round in my head and need some 'hive mind' support! Over the last 5-6 years I've been an Additional Rate (45% £125k+) taxpayer in a good but unstable contractor role. Owing to various downturns and lack of Govt policy progress…

Hi there, I'm just after some advice. 5 years ago, I got a fixed term 5 year mortgage at 2.9%, which ends in January. A few months ago, out of no where, my long term partner of 10 years decided he wanted to break up and sell the flat. I managed to convince him to see the mortgage out, and the drop in flat prices in the…