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Mortgages & endowments

The place to discuss everything to do with getting a mortgage, remortgaging and more.

Will 0% debt impact a mortgage application?
Hi, hopefully putting my house on the market in the next week or two. When applying for a mortgage would having £4k on a 0% credit card massively Impact an application? I bought an engagement ring and put it there whilst keeping the money in a 5% account. I could obviously pay it off if needed. For information House value…
Remortgaging to repay HTB, consolidate debts and borrow for home improvements in one go?
Hi all Seem to be hitting a brick wall with regards my attempt to repay my HTB loan with multiple lenders, due to affordability being lower by having other lines of credit. In summary; our house is worth circa £500k at the moment, with a Halifax mortgage of around £200k. Help to buy equity is around £100k (20%). We have a…
Halifax mortgage - deal ending
Hi, I have a small mortgage with Halifax that ends at the end of July. Properties worth around 345,000 mortgage is 36,000 currently at 4.68% They have a tool in the app to switch but the best it’s offering me is 4.09% for a two year fix or 4.33% for a five-year fix. Online I can see there are often new customers lower than…
Paying off debt and upsizing with mortgage.
I currently own a 3 bed semi property with around £200k in equity. I’m looking to upsize due to my 4 children growing fast and needing their own bedrooms, so looking at selling and upsizing. Here is where the potential issue arises, myself and my partner have combined debt of £36k, a mix of car loans, credit cards and…
Nationwide - is there a way to see the effect of overpaying £x?
I'd like to be able to see the impact overpaying my mortgage by £x without having to sit 30mins in a phone queue to then say try this, try that, try the other. I can get in to my Mortgage Manager & I can see a few options on how I want overpayments to be handled (such as bring term down, leave payments the same etc).…
Transfer of Equity with a mortgage in place - HELP PLEASE!
Hi, Hoping someone can help please :) I have instructed a solicitor to start the process of a transfer of equity on a property I have with my ex wife. This property is mortgaged (interest only). It was purchased in 2008 and we separated in 2010 when I subsequently moved out into rented accommodation. I have contributed…
Remortgage held up by land registry - should we expedite now or later?
Hi all, Me and my wife got married in April, and soon afterwards did all the admin regarding her taking my surname - including putting in a request to the Land Registry to update her surname on the house title. Our current fixed rate mortage deal ends 31st Oct. We have begun the process of remortgaging and have just…
Best re-mortgage product? What Mortgage Store have come back with.
This is my first rodeo on the forum, so bear with. My situation is pretty straight forward. I am looking at a 2 year fix and have been advised to stay with Nationwide. The product that I am being advised on: Interest Rate: 3.84% Product Fee: £999. Monthly Payment: £841.19 (if paying product fee upfront) or £846.35 (if…
Scary read with precise mortgages!
We’ve gone with haysto due to my colourful credit history - they’ve been amazing and put us with precise. accepted DIP and went to application. We then read how they are…. Application went in Tuesday, valuation booked in for 3/6 of the property we’re buying and today already heard back with extra questions. mainly over my…
Remortage when already retired
Hi. My fixed rate ends on 1st September and looking for best deal for just under 5 years. I'm 70, have present mortgage to 75
FTB mortgage with two defaults
Afternoon, I am looking to buy a house in Scotland. I'm currently on £33,000 a year but with overtime and commission it is about £43,000. I am 40 and keen to get on the housing ladder. Should I continue to pay off my credit card debt and two defaults at £1,200 a month as I am doing or should I reduce that amount and build…
What rates could we be looking at?
Looking for some advice if possible…moving house…using equity of approx 110k as deposit on new house 265k…joint earnings 90k with £1500 loan and £200 pm. Partners credit file is squeaky clean but mine has some adverse. 3 defaults all satisfied, most recent registered in 2020. Ccj of £1500 registered in 2020, satisfied in…
Remortgaging on owned outright property.
Hi All, I am trying to help my son buy a property - he lives in Australia. We own our house outright and have no mortgage. I am wondering if i can remortgage our house on interest only to buy him a place in Oz for which he will pay rent. At the moment he is not in a position to get a mortgage there but should be in the…
Question for Brokers - Mortgage as Self-Emplyed + Adverse Credit
Hello, I have a couple of questions for any brokers out there, who might be able to shed some light. I'm looking to buy a property in the next few months, but am self-employed and have adverse credit history. I've had AIPs from two high-street lenders, (Halixfax and Nattionwide) but am slightly cautious about how likely…
Credit card balance transfer and mortgage application
I will be applying for a new mortgage in the next month or so (actually most likely porting my current mortgage but it sounds like all the credit/affordability checks are the same). I also have around £2,800 left to pay off on an 0% interest credit card. The 0% interest period ends in the next week so usually I would…
What's the forecast/outlook? Mortgage renewal time.
I have to say, you guys gave pretty sound responses (I'll stop short of saying advice) when I needed it on the last renewal. As I don't really know what those 'in-the-know' are best guess predicting going forward, I'm here to just try get some responses on it. To be honest we like to stay with fixed rate, the question…
Accord mortgages full application
Hi all my broker has submitted a full application today with accord. I have some missed payments on my credit file which were disclosed at AIP stage, however they weren’t showing on any CRA report but TransUnion. Now they are showing on Experian too. I was wondering which CRAs accord use for the hard search? I had a soft…
Precise Mortgages - how long from application to offer?
Hi all, I've searched for answers to this, but can't find anything recent. If anyone has dealt with Precise recently, I'd appreciate any insight into your timelines? Thanks in advance
Deshaling and does it effect mortgages?
Hi, I'm looking at buying a property which has been deshaled. Which is new to me,not being from that area. Any of you extremely knowledgeable people know, if it will effect the mortgage ? What documents will they require ? And in future, will it effect the selling of.. Oh,...many thank.👍👍
Negative equity on an interest only variable rate (due to end soon) plus seperated… help…
My finances are a mess and I just don’t know where to turn to. The property was bought with no deposit (new build) in 2007, we struggled to get a mortgage as my partner at the time had ccjs. We got an interest only variable rate with the view to sell and remortgage after 2 years and move up the ladder but this didn’t…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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