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Mortgage renewal due Feb 2026
Hi. I’m looking for some help please. We are remortgaging in Feb 2026 and have HTB. I think our LTV is around 60% as house is valued at around 252k on the quarterly broker email and our outstanding mortgage if keeping HTB in is around 150k. I may be wrong here so please correct me if I am and please could you explain why?…
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Base rate cut to 4.5% – here's why and what it means for your mortgage and savings
The base rate has been cut to 4.5% from 4.75% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates. Read the full story: Base rate cut to 4.5% – here's why and what it means for your mortgage and savings If…
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Tennant's in common DoT advice
Hello, I'm looking for advice please and to see if what I'm thinking below is correct: My partner has a mortgage on his property, the mortgage is ending so he is remortgaging and adding me to the mortgage as a tennants in common with a DoT protecting our shares. Value of property £550,000 Mortgage amount £292,000 His share…
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Holiday lets and mortgage application
Hi, so looking for advice in regards to buying a holiday let. Im hoping to buy a flat via an SPV to run as a holiday let in my touristy town. Obviously I have to buy the flat in order to apply to the LA for a licence to run it this way. My worry is what happens if the permission isn’t granted but I have a short term let…
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Bank of England reduced the rates, but HSBC increased the mortgage rate, why?
Is it because banks need a few days to adjust after the Bank of England changes rates before deciding on their offers? At the end of January, HSBC offered me a 2-year fixed rate at 4.20%. By February 5th, the same deal had increased to 4.25%. Today, after the BoE reduced rates by 0.25%, HSBC raised the deal to 4.30%. I…
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Alliance and Leicester santander
Hi I've recently been having a paperwork sort out and have found paperwork from Alliance and Leicester from 2005 with details of life and illness cover for my mortgage that I had forgotten about, obviously Santander took over I have tried calling them and they suggested I try Aviva or Royal London but both say it's nothing…
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Accord mortgage timeline
Has anyone applied with Accord recently? I’m hearing good things about their timeline. I applied today following a failed application with Santander as they were unwilling to lend the full amount that we needed. Anyone else going through their mortgage journey with Accord?
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Land registry documents - are they worth the fee?
We are currently arranging our remortgage, and one of the questions one the conveyancing questionnaire is: Following completion of your remortgage the law firm will send you a copy of the title to your property as registered with the Land Registry. It is considered good practice that the law firm let you have a copy of…
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Financial Ombudsmen Service... how long?
I hope this is the right place to post this. I want to get a mortgage but have a late payment showing on my credit file. This account was with Argos Card Services and should have had a default put on back in 2018 when I entered a DMP, which would mean it wouldn't be on my credit file now. However, the account was settled…
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What do you think is best to do?
Our fixed rate with nationwide is coming to an end and we have 58k remaining on mortage with of 48 percent due to house valuation going up. We are not looking to move at all but want the best for us. I have locked in a 5 year fixed rate deal for £448 a month which will be only £50 extra to whay we are paying now. I am able…
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Poor credit score
I am thinking to buy a house , my situation is that in 2021 I went bankrupt because my business failed through Covid I was discharged a year later . My credit score has improved , but I noticed 5 errors on Trans union , so I reported them and in a week 2 of them are settled , so I’m waiting for the other 3. To help my…
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Unilateral Notice from old lender, can’t remortgage!
Hi all, Was due to remortgage on the 1st Feb 2025 with Barclays, they've advised they can't proceed until a unilateral notice in favour on Santander UK plc (dated November 2021) is removed from Land Registry. They were our mortgage provided back in 2020 when we moved in and have since remortgaged with Natwest in 2023 (who…
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Use tax savings cash for overpayments fund on mortgage?
Hi, I'm self employed and put away some of my earnings into a Cash ISA/ savings account ready to hand over to HMRC every July and January, then another chunk goes into a SIPP to minimize my 40% tax. I wondered if its possible to put this money into the overpayments fund on my mortgage and then withdraw it again when I need…
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NatWest fixed rate mortgage approved - can I change the rate?
We’ve been approved for a new mortgage by NatWest and hope to complete on our new house next month. We paid a £1495 (!!) fee to fix for 5 years. If Natwest reduce their fixed rates before we complete, are we allowed to move to the cheaper rate? Thanks for any help. I did ring them but I’m not sure if the lady understood…
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Managing Mortgage Renewal While Selling My Home – Advice Needed
Hi everyone, I'm in the process of selling my home, but I’m not planning to repurchase. My mortgage rate is set for renewal in March, and I’m concerned that the sale might not be finalised by then. I’m unsure how to navigate both situations at the same time. Would my bank be able to extend my current rate for a couple of…
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adding service charge debt to a mortage
Hi, I own a leasehold flat with a small mortgage Basically i owe service charge payments and the property management solicitors have asked me to sign a letter of admission from them to go to the mortgage lender to apply the debt to my mortgage which wont exceed the original amount borrowed but will avoid the solicitors…
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NatWest ERC
Hi, hopefully this is the right forum for this question/issue. I have just moved house, completing on Friday 31st Jan. I was on a 2 year fixed rate with NatWest, which was due to end on 31st Jan. I did not port the mortgage, but took out a new product, still with NatWest My mortgage broker advised me to complete on or…
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Stamp duty refund
Son & his gf are breaking up. They bought a flat (in England) a year ago and paid £25k stamp duty. The gf has been speaking to an independent mortgage adviser (presumably with the view of getting a new mortgage in her name only after Transfer of Title) and he mentioned that they should be able to get half of the Stamp duty…
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HSBC Declined Mortgage
Hello We have sold and had an offer accepted, we had a decision in principle and have just submitted our full application with HSBC (porting a good fixed rate so don't want to move lender). HSBC have straight declined the application and will not even put it in front of an underwriter. The reason they have stated is…
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Santander 'Flexible/offset' mortgage - removed key 'show me' feature that made it useful !!
Hi folks, wondering if anyone else affected by this, or just me. Its infuriating. I have a flexible, offset mortgage with Santander , have held on to it through 2 houses, and its been a great, flexible product... i love (d) it !! Until today.. For those not familiar - these products allow you to treat your mortgage…
