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Remortgaging my paid up house
Hello All, not sure if this is a very obvious question but here goes... I currently own my house outright as I borrowed some money from my family to pay off the mortgage before the fixed rate came to an end. I need to pay them back within the next year or two and so one option would be to take out a fresh mortgage, I would…
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Barclays extending mortgage term
If we would like to extend our mortgage term by additional 15 years (not because of affordability but because of tax savings) is there a quicker way rather than going through the entire remortgage process? I can see in the app under "Mortgage Charter" that they allow that for 6 months and after that you can either reduce…
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Accord lowering rates this week?
Any mortgage advisors on here know if Accord have announced if they will be changing their rates this week?
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Stamp Duty Buying Out Share in Inherited Property
I would be very grateful for any thoughts or pointers on the following situation: My father has passed away recently, leaving his property and small amount of money to me and my sister. We have not yet been through probate so it isn’t “ours” yet. My sister would like to ‘buy out’ the half share of the property that is due…
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Fixed rate started have I missed the boat?
A mortgage advisor found us a good deal and we moved from Halifax to HSBC a week and a bit ago. Our rate is 4.4% however now bank of England rates have dropped I am seeing deals for our mortage for 3.8% for us this would mean a saving over over £100 a month 🤦♂️ Is there any way I can get a different deal? Is there a…
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Halifax Overpayment
When do Halifax add on the early repayment charge if you've exceeded the 10% maximum per year?
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Can I claim any money back from an old mortgage?
My home was repossessed 19 years ago but it sold at auction for double the loan amount is it to late to claim any money owed to me? I don't know my mortgage number but I do know the lender and I have contacted HM Land registry and they are going to send me a file of my details of when I lived there. Is this the correct way…
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Tracker or another fixed rate mortgage?
Wondering what people’s views are… We are in the process of moving house and will probably end up moving around September 2025. Current mortgage is a 5 year fix at 1.49% which ends February 2027. The mortgage is portable. The current mortgage has £113k left and we’d need to borrow another £140k more for the new property.…
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Possible to get a 5% LTV on a second home purchase?
Hi guys, I’m currently buying a second house (my current property is being rented out - consent to let). I have approached a few brokers but waiting for their reply but in the meantime I wanted to know if lenders offer 5% LTV for mortgages on second properties. It will be mine and my wife’s name on the house and the…
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Help re mortgage and debt
hello, hope someone somewhere can help as my mind is in turmoil! My partner and I have lived in our property for 8 years and stayed with our mortgage provider since the get go. We are now in a position where a new build has become available and we are jumping at the chance, problem is, we are struggling to find a mortgage!…
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Defaults older than 2 years…can we get a normal mortgage?
Hi all, Me and husband currently have a mortgage on a house we brought 6 years ago for £165,000 with a 5% deposit. This was our first house and we had no problems getting a mortgage. We are now looking to upsize, and hoping to be able to buy a house around £280,000-£300,000. We have around £50,000 equity on our house.…
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Lifetime mortgage
I’ve recently had a valuation for a lifetime mortgage and because my property has no gas central heating the application has been declined. The mortgage broker stated that no mortgage company would give a lifetime mortgage to a property without central heating. Is this true as surely there are a lot of properties without…
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Downwards trend for Base Rate
I'm fairly new to all of this, but after lots of research and reading countless industry predictions, it seems pretty certain that the base rate is on a downward trend for the next few years. With this in mind, and my main priority being keeping monthly repayment cost down, it seems a pretty obvious decision as I'm…
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Porting question
I will be calling First Direct mortgage team in the morning but wondered if anyone knew the answer. Our current Mortgage is with First Direct & fixed for another 3 years at 2.29% (10 year fix) We have found a house which we have offered on and had accepted. Our house is on the market (8 weeks) but not sold yet (It has been…
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Equity release?
My
wife, my brother and I bought a bungalow in 2007 using an interest
only mortgage which needs paying back in 2026. All three of us
contributed towards the mortgage but it was in the names of my wife
and I. My wife
and I lived with my brother for a few weeks before buying another
property in 2008 without a mortgage for my…
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Remortgage BTL quote - arrangement fee of 10k!
Hello, The mortgage broker has come back with a quote for remortgaging our property - currently being rented out so it's a BTL mortgage. Unfortunately need to take equity out to put towards a deposit (living in rented accommodation atm). Broker has come back with a quote with a £10k arrangement fee (from the lender, not…
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NatWest Mortgage Application Timescale 2024
What is current time frame from start to finish on a mortgage application with NatWest?
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NatWest Mortgage Application Timescale 2025
Hey, we would like to know anyone experience when putting a mortgage application with NatWest. FTB with 10%. Joint applicant on perm salaries totally combined income of £105k DIP issued on 6/05/25 FMA submitted on 8/5/25 Valuation on the 14/05/25 Any feedback would be appreciated.
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commercial lease
Can anyone give me an idea in regard to a commercial lease, I own a property and rent it, its on a 3 year lease 5 months in and the tenant wants out can anyone give me an idea as to how much to charge for a surrender of lease roughly there is no break clause, thanks in advance
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Mortgage advice
Hi i will be applying for a mortgage in 12months time. I have 20k saved for a deposit and my partner has 10k saved. I earn 40k a year. I recently took out a 10k personal loan for car over a period of 8 years monthly payment 166 pounds. No other debts. Will this loan affect my mortgage application ? Also I am overpaying the…
