Mortgages & endowments

Hi all. First of all, apologies for being a bit thick on this. I've looked online at various calculators etc and am still confused as I don't have a money brain. Our mortgage is up at the end of December. We have £87,700 left on our mortage and 10 years to go. We also have £20,000 in savings getting an interest rate of…

Looking for anyone who has successfully had a mortgage approved with Bluestone and may have similar background to me. We spoke to a broker at the end of July who said they had spoken to Bluestone and they would be happy to lend to us, they were shown our credit files. Background is low credit score for myself, husband not…

I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance! 

We’re looking at a house that we love that is £650,000 and considering a 95% LTV mortgage with Nationwide. Our combined income is approx £150,000 pa (base) and I had a default (communications provider) of approx £500 in 2023 which was satisfied that same year. I’m waiting to hear from my broker but wanted to gauge other…

I closed jan 2025 at 85% LTV. 35 yr mortgage with 2yr fixed 4.5% Looking to refinance now but home value has dropped a bit. The whole market came down as you know Despite doing monthly payments my mortgage balance declined very little as they all went to interest. Now I feel I may be at >85% LTV what happens now…

Hi, I’d appreciate some thoughts as I’m pulling my hair out here!! We are in the process of selling our house and buying another. Due to adverse credit my partner needs a specialist lender and has had a nightmare with a dodgy broker messing him around so wasted weeks on mortgage search. We contacted Simply in August and…

Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…

Hi, I'm looking for some advice and first hand experience/knowledge from people who have either gone through this, or who work in the mortgage industry. My partner and I have found our perfect property and our offer was accepted by the vendors a few weeks ago. We've been working with an independent mortgage broker and…

If you would please take the time to read the scenario, I would be extremely grateful for advice especially as it's quite urgent as wheels have been set in motion. Also, if you feel you can even offer your services too to seal the deal. Firstly, I am representing my brother as he is working hard this week and doesn't have…

oh this is a tough one after the big part of my mortgage being on sub 1% for the last 5 years, coming to an end at the end of the year 😔 I can lock in with my current provider from now and see how things goes over the next few months, still hard to know which one to pick though! Their best offers at the moment 2 year…

I'm currently looking for a mortgage to replace an expiring interest only loan. I'm being quoted interest rates of 8% for RIO and 9.4% for equity release via age partnership. Can I contact other brokers, or will they be the same?

Hi everyone, I'd appreciate a few pointers here as a total beginner and my situation is a bit uncommon (I think?). I am on UC and ADP, and I work a part time seasonal job. Due to disability I have never been able to work full time and earn a 'proper' salary, my current job takes most of my energy to sustain and I doubt…

Update 19 October 2010 We have spent the last few months expanding this, hopefully making it... erm, ultimate-er?! It has new calculators, including: - Offsetting vs Savings/Mortgage - How much can I borrow? - Compare 2 fixed rates - Should I save or repay mortgage? Would be great to know what you think, and especially if…

Hello, I think I have 2 options and right now I just don't know what to do and so I am hoping someone can help me see a bit clearer. Background - I inherited a house worth £475k. Mortgage owing is £167000. I have high priority debt (tax). My broker has found a mortgage of £215k which will pay off the mortgage and my debt.…

Anyone know anything about the "preferential rates" that Lloyds Club and Premier customers get? Their 2 year tracker is 4.06% and apparently this goes down by a further 0.2% But I need to know if this is for Club customers, or only available to Premier current account holders. Either way this seems to me to be an awesome…

Hello. How easy is it to amend a trust of deed between two people not married from 90/10 to 50/50. I believe there is no mortgage on it or a very small one. According to ai they can do it for free by printing out forms and having a witness signing it . But i doubt that. Also how much would a solicitor charge for this…

has anyone ever usedcashbacksites to pay extra into their mortgage. Want to do this as obviously it all adds up and may as well join one. Anyone got advice for the best sites etc

Hello, need some guidance please, my company that i run has just been dissolved and I'm trying to start another company as I do have the basis of a small business that I can run but the start of it for the next couple of years is going to be tough with a small income, but I have done this for 45 years, I'm 64 in a couple…

So. I have three adult sons and one lives like a teenager in seedy digs living hand to mouth and financially because of his career (Care worker) and poor credit history he has no chance of getting a mortgage (so advisor told me today). He is also Bipolar and life is very hard for him. So, I remarried at 55 and own 50…

Hello, I’m hoping to get some insight from a mortgage broker regarding my current credit situation and my chances of getting a mortgage. I currently have 2 defaults (registered less than a year ago, totaling £15k) and 5 other debts (totaling £17k) that are currently on a payment plan/DMP. My plan is to offer a full and…