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Do lenders ‘price match’ deals
Hi, do lenders ever ‘price match’ - I’m with the Halifax and due to end my current fixed rate deal in October. Santander has a better deal. Is there any point me speaking with the Halifax to see if they can match it before I switch or don’t they have that flexibility
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Remortgage - minimum term?
Hello everyone My current fixed rate mortgage deal comes to an end in 6 months so I will be looking around for a new deal. I currently have 9 years left on the term. However, I want to use some of an inheritance to pay off a lump sum before I renew my fixed rate mortgage. This would reduce my term to 3 years. My question…
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Can I act as the Bank for my Daughter to buy my House
I have a mortgage free house, is it possible for my daughter and husband to buy this off me direct. For example Value £280000.00 They pay me x amount each month until it is paid off rather than renting it off me. I would get it drawn up legally if it is possible. Would there be any tax implications?
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Credit file/mortgage query- HELP!
Hi all… I am in need of some advice please.. I am currently in the process of moving homes and want to port my mortgage with Santander. I was successful in getting the DIP, however when I went on to do the application, I was told it had declined due to the following reasons: - Showing active account for a lease car -…
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Mortgage broker fee for BTL LTd product
Hi, there ! Would appreciate your guidance on what approximate expected independent broker fees for BTL limited company mortgage? Is £1000 is about right/ steep ? Many thanks!
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Staying with existing lender or change
I am moving house. The mortgage I have at the moment is just in my name and will be ending on the sale of this house. What I want to know is are there any benefits of staying with the same lender for my new mortgage which will be with my partner? Does it make anything quicker or easier because I've already been with them…
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Mortgage Complaint - Private recording, can I share transcript and/or audio with the FOS?
Hi, Long-standing mortgage complaint currently with the FOS where the initial adjudicator rule in my favour but the ombudsman has not upheld my case but I have one final opportunity to submit new evidence. As someone who has worked in finance for over 13 years, albeit, in a different industry I felt I had a very strong…
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MORTGAGE ON AN OFFICE CONVERSION
I am selling my flat through an estate agent to downsize. It is a great flat that has attracted loads of viewings and is on the top two floors of an office conversion done in the 1970s. We got a buyer for whom the broker attached to the agent has been trying to get a mortgage. Unfortunately the buyer had put that it is…
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Natwest remortgage
Our Natwest 2yr fix comes to an end at the end of August. I'm wondering if anyone knows if last week's base rate cut has yet been factored into their current fixed rates? Or whether I should hold on a little longer before selecting our new deal with them.
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NatWest Mortgage Offer - Unable to change rate
Hi, We recently applied for a 65% LTV mortgage through NatWest direct through NatWest (No Broker) at 4.32%. Everything went through smoothly and an offer was received within a a couple of days. Due to the base rate going down on Thursday, the rates have now dropped around 0.12%. I phoned them up enquiring about this and…
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Building Society prematurely ending mortgage
I have a discounted offset mortgage that is due to end in 2031. Our savings almost match our mortgage, but we want to keep that pot for easy access, should it be needed. Last month, we received a letter from our building society telling us that they were withdrawing that product and would switch us to an SVR mortgage with…
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Overpaying on CC debt ahead of remortage
So I have some CC debt and I'm working hard to overpay ahead of my remortgage. My current deal is up January 2027 so will be looking for deals around September 2026 but between now and then I'm hammering my credit card debt and overpaying significantly to get the balance down. My question is: - Will the monthly payment I'm…
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Is an offset best for my circumstances?
Is anyone better at working out these things than me? I’d
really appreciate any advice. We require a mortgage of £180000. Best rate we can find is
3.85% with no fee and £250 cashback. We will have roughly £60000 left over once purchasing. We
want to keep this aside in case we want to send our children to private…
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Solid brick construction and mortgage
Hi How hard is to get a mortgage for solid brick single story flat? It is a conversion of an old church hall, converted in the 1980s
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Getting a mortgage with the bank that you previously had debt with.
Hi all, I’m in the process of applying for a mortgage with Barclays, I previously had a Barclays cc of debt of a value of £2.5k that was sold to a debt collector and resulted in a CCJ. This has now been paid off and was over 6 years ago and is no longer on my credit file. Will this affect me trying to get a mortgage with…
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Semi-Commercial Advice Needed!!
Any help and advice gratefully received! A year ago I moved back to my home town to set up a specialist education service. My business is a Ltd co (by shares) and I am the sole Director/proprietor. I rent a property in which I both live and work (I work with children who are unable to attend school, and providing a…
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Is a 2 year mortgage the only way to avoid the high ERC of a 5 year in case you need to move
5 year fixes have high ERCs I’ve noticed. And I see porting isn’t always guaranteed and even if it allowed may still incur an ERC. And consent to let is similar. Not guaranteed and even if allowed, can be subject to fees. So is a 2 year the only way to guarantee the flexibility in case you need it?
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Mortgage Overpayment - reduce balance / term or both?
I am looking to set up a regular mortgage overpayment and have the two options. I would assume reducing the balance and term is the best choice but looking for advice: Reduce my balance and term or: Reduce my balance and keep my term the same. What's the difference / pros and cons to each?
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Together Money Mortgages
Hi, Does anyone have experience recently of this company? The buyer at the bottom of our chain is now using this company. The rest of the chain have been ready for 8 weeks now & we are still waiting. A month ago we were told they had been issued a mortgage but they needed to submit extra documents. This was done & then it…
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Want to remortgage, but now have a LTD but it's not my main income
Hello, I was wondering if anyone can help answers some questions I have please. We want to remortgage to take money to renovate our house, I'm employed and my husband is self-employed (he has been for over 10 years). A few years ago I sent up a LTD as a side business, I didn't make any money in the first year and only in…
