-
New Mortgage with past adverse credit
Hello everybody, Been scrolling these pages for a long time but 1st time post. I have a question and if anybody has an answer for me that would be great and muchly appreciated! So me and my wife sold our house at the end September 2025 and have moved into her parents house for the moment. The reason for selling was due to…
-
Divorce re-mortgage advice needed, mid 50s, low income
Hi all, a family relative is going through a divorce at present and is struggling to understand what his options are in terms of being able to stay in his house. he is going through a divorce (at some point in the near future) and is currently living in the property. He understands that his wife is entitled to her half of…
-
I would love to be mortage free but...
As per the title i would love to be mortage free but there is a few things that is also conflicting me. Husband and I own a home ( well not fullt because we still owe the mortage) and we are not planning to move house. We currently have 55k left on mortage and if we hammer down the mortage we could potentially get it paid…
-
Deleted, ignore.
..........
-
Mortgage extension
Hi all, Just a quick question if someone in the know could assist I’d be grateful to calm my nerves. We need to get a mortgage extension next week as we’re almost there with the exchange but been issues with our seller in finding a place. Now, since mortgage application I’ve run up some debt in a credit card which I have…
-
Endowment Policy
I have been divorced for nearly 12 years but when I was married, both myself and my ex husband took out a joint endowment mortgage buying our new home (in approx 1999) At some point after this (prob 2009) we switched to a joint repayment mortgage. Whenever I ask my ex husband what happened to the endowment policy, he…
-
Small Building Societies - good for awkward situation?
DD and her partner have found a property they'd like to buy. He has a Lifetime ISA, and it seems that there's a good chance that they could get the nominal price to be £450k. However, he is currently a PhD student, so on a stipend. Even though he earns more than DD (who's got a "proper job") the rules that lenders work on…
-
Product Transfer with Barclays
Hi there Just looking for some answers please. we are currently with Barclays coming to end of our 5 year fixed. We are wanting to do a product transfer and Barclays sent us this in the app. However we already had booked a phone call with our mortgage advisor as this was free. They are going ahead with the product transfer…
-
Getting a mortgage!
Hello iv managed to reduce my debt and boost my score currently at (567) and been paying on time for 2 years now I still owe about 3k of debt and was thinking to get a loan from my bank to pay this off and only have one payment instead of multiple? I don’t want this to be a negative on my score tho for the mortgage we are…
-
Nationwide £500+ overpayment.
Just a query really as I've searched and can not find an answer. I've been making small overpayments on our mortgage, which have been reducing our balance. This month I have made an overpayment of £650. I have it set, so that an overpayments over £500 will reduce my term. My balance reflects the £650 payment, which should…
-
Gifted deposit query
Hello. A year ago my Father “gifted” me a large sum of money towards my new home. It was given with no expectation to repay and we filled in the gifted deposit form with my mortgage provider to confirm this. However, I’m now in a financial position to be able to repay this and was going to start making monthly payments to…
-
Charging order on house preventing sale
Apologies if this is not the correct forum Long story short, dad is an idiot with money resulting in a charging order the house (more than one!) Parents are at the point of exchange/completion to then be told they can’t as they cannot find the owner of one the charging orders to pay it. It was originally with the British…
-
Am I too cautious?
I staircased to 100%, I now have: primary mortgage £29,000 at 1.4% until April 2026 Secondary mortgage £125,000 at 3.97% until November 2027. (both 11years term)Per month that amounts to about £1500. My bills come to £500/month. I have £5000 on a 0%interest card which I am paying off £200/month. I have £15,000 in savings…
-
Equity?
Hi I am confused as it seems like my equity in my home isn't going up even when I am making payments. Some background I have 20 years left of on mortgage paying £364.94/month and my mortgage account is 58,617.00. My house is worth 120k. Last month I calculated that my equity would be £61,598 but now I calculate it is…
-
Remortgage to Savings - Any pitfalls to be aware?
Probably a very strange question but I need to have a significant sum of money in a savings account untouched for at least 6 months, possibly a year. I have no mortgage currently on my property so was looking at options to borrow the money so it doesn't affect any of my existing savings as I would lose ISA allowance. Best…
-
Moved: Trust Wills: Porting a Trust to downsize. Who is liable for expenses
This discussion has been moved.
-
Mortgage Product Transfer + Default Help!
Hi all! I just have a question I’m hoping someone can help me with! Basically, I have a joint mortgage with my partner with Barclays and it is due to renew in May 2026 (actual rate ends in November next year). My issue is, for reasons I won’t go too much into I have 3 defaults on my credit file which I’m actively paying…
-
Home equity loan/unencumbered mortgage to repay family gift
I have recently completed on a flat, I paid in cash with help from parents with the agreement I would pay them back in full by getting a mortgage. I couldn't secure a mortgage at the time as I hadn't received any pay checks yet. I have now been working for three months and have started to consider taking out a loan or a…
-
Liz Truss damages and Compensation
I wonder if anyone has persued this thought.... Firstly, I will say that I am not impacted directly via increased mortgage rates, as a result of the mistakes openly admitted by Liz Truss / Kwasi Kwarteng / Jeremy Hunt, so this is a theoretical question for me, but not for others. But I was lucky. If, say, a council made…
-
New Mortgage with no job
Hi all. About 20 years ago I got a new mortgage when I had no job but up to 25% deposit. I used a mortgage advisor now retired or dead and all I had to do was sign a form declaring I could make monthly payment, irrespective of no income or proof of how I would make payments. Do this provision still exist ? I have been told…
