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Transfer of Part Plan
Hi, I've agreed with my neighbours to purchase part of their garden but I have very little idea what's required so would be grateful for any advice. As I made the offer, I've been trying to arrange and pay for everything that has been required. My solicitors have now told me (weeks in!) that I need a plan for the transfer…
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Mortgage application between jobs
We're mostly in a good position for a mortgage offer of a 380k house - we both have great credit rating, good incomes and a deposit worth half the value of the house, including the proceeds of a sale of my first home. We're looking to borrow 190k, which is far below the ~500k we were being offered as a limit in agreements…
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Mortgage application
We have submitted everything all the boxes are tick green valuation on the house alredy done as we have home report offer accepted on the house still 2 steps to go waiting for mortgage offer !!
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Halifax
Stuck on mortgage offer after everything seems OK
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Mortgage couple - partners different contribution
Hi, Me and my partner are in the process of buying our 1st house together. We have an arrangement but we are not sure how we can work that out now, and in the future: My partner will pay the deposit (she has money from a previous property she sold) and I will pay the mortgage (have a higher salary). As an example let's say…
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Which offer should we take?
Hi all, we’ve come to the end of our mortgage term which was a 5-year fixed on 2.2% for 35years and we were paying approx £1050 per month. Our first one! Our newest offer is for 30 years, 4.97%, fixed for 5 years. It would be approx £400 per month more. We’re not super comfortable being tied into this for 5 years, but know…
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Santander Mortgage woes - 2 year fixed product, turns out to be 4 months longer than quote!
For my mortgage renewal I was quoted by Santander 1, 2 and 3 year fixed rate products. The rate was much higher than I had been paying historically, but I intended to pay it off by the end of 2 years. I confirmed the offer, as encouraged to, on my phone via the Santander App. When I got confirmation of the new mortgage, I…
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Need help with my Remortgaging
Hello There! Can Anyone find me the perfect solicitor for my Remortgaging, I live in Blackburn, Should I connect with any firm or find my own, which is easy and cheaper?
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Changing country and Mortgage ending _ Please advise
Hi there, Our five year mortgage deal with Natwest is ending this October for our only home. Based on HPI, our LTV is 67%. My employer has offered me a new role in the US, expecting me to start there in September. We will be going to the US for at least 3 years and up to 7 years maximum. We do not want to sell our house…
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I don't know what to do
In September 2017 my husband and I bought our house, with the help of my parents gifting us the deposit and in the November 2017 I found out he had been having an affair and we separated (he moved out in the November), followed by divorce. It is a joint mortgage, but he has never paid a penny towards the house in anyway,…
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Can I use an invoice / receipt for my tax returns that has someone else's name on it but not mine
Hi, Asking this again, have hopefully clarified situation better :- I have had some work done on my rental property by an electrician. He had asked me to pay him his daily rate, which I have done, then pay the wholesaler direct for materials. He sent me 2 invoices, his daily rate has it being from him and to me (my name is…
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Remortgaging Jan 2026 issue, please help
So I have around 350,000 left on a joint mortgage with my husband and need to renew in Jan 2026. We were on a 5 year fixed at 1.92%. I am well aware the repayments will be much larger at remortgaging time. Currently we pay £1500. My issue is that I am worried sick as my husband has decided to run up debts behind my back…
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Switching Mortgage Online - Term Query
When coming to the end of a fixed deal and opt to switch to a retention product online does that mean your mortgage term stays the same? For example I have a 30 year deal fixed for 5 years. When renewing online does my term become 25 years or can I opt for a 30 year product again without requiring any checks?
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Remortgage haggle Natwest
Hello all, My Mortgage with Natwest is due for renewal at the end of September and Natwest is offering me these 2 year fixed rate when i log into my Natwest account: 1 - 5.47% (my payments will go up from £456 to £576 a month) 2 - 5.04% with product fee £995 (payments will up to £555). When i factor the £995, it will be an…
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Leeds Building Society - switching to a new deal online?
Hello Our fixed rate on our mortgage with Leeds Building Society ends next month and we are looking to just switch to a new deal online as we are comfortable with understanding and choosing ourselves, it says no affordability or credit checks as we are existing customers. Has anyone ever done this with LBS and can tell me…
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Desperate for advice
Hello. I am desperate for some advice. I have 2 mortgages: Mortgage 1: balance is £69,000. It’s at a rate of 2.59% which is fixed for another 3 years. This costs me £665 a month. Mortgage 2: balance is £111,100. It’s at a rate of 11.75% (I know!) it’s fixed for another year and has a term 19 years left. This costs me £1229…
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Porting question
This may be a really stupid question but I've never sold a house before and not sure how it all works. Current house worth around £300k o/s mortgage circa £57k. Mortgage is portable but understand this is still subject to lenders agreement. If our next house we bought for say £280k, could the mortgage still be ported?…
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To buy with a mortgage at 66!
Hi there I'm currently mortgage free ,house on market but to get what I really want im looking at a possible 50k shortfall I'm 66 with lots of equity in the house Mortgage rate I'm quoted is 6.6% ,age is against me .... any advice please 🙏
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Needing a new mortgage at 62 with a big deposit, new lower paid job and moving 300 miles to new area
I have had some major changes happen in the last 18 months and am now considering moving to the other end of the country. I am 62 and have a small little business, about £100,000 in equity and a little savings. Trouble is I cannot take the business with me but already have a low paid job offer(£30,000) where I am moving to…
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Filling in my stamp duty refund form help
Last year I bought another property whilst waiting for my house to sell. The new property cost £280000 and I paid £9,900 stamp duty as it was classed as a second home. I've now sold my first home and want to claim back the stamp duty I paid on the second home I bought. However when filling in the stamp duty refund form it…