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Santander remortgage form
Hi, I just have a question about my Santander mortgage fixed term period ending and them offering new fixed term product deals. I may/may not still have my job at that point, but I will have the money to carry on paying my mortgage. I know they don’t do any affordability /credit checks, but are there any questions on the…
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Does ALL online gambling affect mortgage options?
I just found out that online gambling transactions can be / are negatively viewed by mortgage providers... The thing is, I believe my use case is rather specific and actually finnancially prudent so hopefully isn't viewed negatively? Basically the only time I ever gamble is when I get one of those "Bet £10 get £50 free…
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Mortgage rates tables
Hello All, Not been on the forums for a while - and i cant find the mortgage section to ask the question Is there any free good sources of mortgage rate tables - everything i find seems to be after filling out lengthy information/personal details or giving out teaser rates for LTV that arent in my range Thanks hugely
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UK citizen has Portugal visa mortgage
Im presently residing ans working self employed three years in Portugal but UK citizen and bank account, in both countries I want to buy house to a house in the uk with and rent out to my brother What are my options available? Any advise appreciated
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Need Advice: Renew Now at 4.18% or Wait for Possible BoE Rate Cut?
Hi all, I’m renewing my mortgage with NatWest and really want to avoid their 6.99% follow-on rate on 1/1. They’re currently offering me a 4.18% 2-year fixed, but with the BoE meeting on 18/12, I’m wondering if it’s worth waiting in case rates drop. My concern is whether waiting until after 18/12 would leave enough time for…
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Beyond belief
I want to gift my daughter £10,000 £5k as gift and £5k as a loan, she is buying a property. I have just received an email with attached form to fill in requiring my passport as proof of id, bank statements to prove its my money where the money has come from etc. I am not sure if this is because daughter was short of…
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Advice - Mortgage
Hi guys, need some general advice please. My current Natwest mortgage finishes in December 2025 and have exactly 2 years left from Jan 26. My balance is £57,000 which is £13,000 capital and interest, and £44,000 interest only. I have just received a payment into my bank account of £37,000 endowment payment for the £44k…
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Product transfers and earnings
Hi all I wanted to ask for some advice. We are on a fixed term mortgage which is coming to an end in the next 6 months. We will have to do a product transfer as the bank isnt aware that we've had a baby and that one of us is working part time and the other is now self employed. We can afford to live comfortably but im not…
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Product fee
I think I know the answer to this question but want to check I’ve thought it through correctly! If I renew my mortgage to include the product fee, I get a lower rate. So can I lock in that deal and then make an immediate overpayment for the product fee amount (to be allocated against the capital). EDIT-I don’t think I was…
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Port or pay off?
Thought we had made a decision but after phone calls with mortgage provider today, having a wobble! Husband inherited late Father In Laws house, worth £210,000, to be split equally between him and Sister. No mortgage on this house We have had work done on the house for us to move in (using a loan and credit cards which has…
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Is it smart to go on a tracker mortgage right now?
Hi all - not a financial expert in any way, so hoping your some help here. My mortgage is due for renewal, but I am possible moving abroad towards the end next year (waiting to sort a few logistical things). The shortest mortgage i can find at any sensible rate is 2 years, and I have the option of a fixed with an early…
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Remortgaging vs simply product switching with same lender
So I’m about 4-5 months away from the end of my 5 year fixed term and have been contacted by my broker who organised original mortgage back in early 2021 about handling my remortgage / looking at options. I do understand that every situation is different but have people actually made worthwhile savings by moving lenders at…
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countrywide corporate property services
We have manged to get back in our house that was repossessed, the lender used Countrywide corporate property services to look after the property and upon our return to the house we became aware that a number of our possessions were missing including a tv ,shark vacuum cleaner ,Alexa's and other items. They are denying any…
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HSBC most cost effective way to Product Switch, Change Term, Combine Accounts AND Take out £10k
HSBC Tracker Mortgage Currently (18 months to go) Account 1 - 156k Account 2 - 29k Want to product switch to a fix, reduce term to 25 years, and take out approx 14k to take me to 200k. Ideally wanting one mortgage account. Is it worth product switching and taking the addititonal borrowing at same time and then waiting a…
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The Ultimate Mortgage Calculator discussion
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…
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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…
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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…
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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…
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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…
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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…
