Mortgages & endowments

Sorry, this is a bit of a long one. Our mortgage broker made an error which resulted in us losing a mortgage deal (I’ve posted about it previously here: Previous post). They have admitted the mistake, and we’ve been going back and forth over their compensation offer. Because rates increased sharply at the time, our…

Hi all, First of all I think this is the best category I can post it to - apologies if its in the wrong place. I’m hoping someone can offer guidance or share experience, because I’m in a very difficult situation with Yorkshire Building Society and I’m struggling to see a way forward. What happened On 8 April I selected a…

Hi everyone, I am hoping to get some advice here. Our endowment mortgage has come to an end and we do not have a policy in place to repay it. Our mortgage provider, who we have been with for the 25 year period, has said we can convert to a repayment mortgage but will have to apply for this like it is a new mortgage…

Hello i am looking for some positive help. We have recently sold our house and had an offer accepted on new house. Our mortgage advisor has applied first off with our Current lender who said no. He then tried the Cumberland Building Society who are also looking like they will say no. The problem is my old dmp. Its full…

My nationwide mortgage is up for renewal by the end of October this year Apparently they give the new mortgage deals 3-4 months in advance so this month or next. At the moment I have NO INCOME. I do not want to spook the process of searching for a new deal stating that I have no income as I feel that it would go against me…

Hey just after some advice. 35, live with parents. Currently salary £28,100. Tend to come out with about £1,900 after tax/insurance each month. Salary sacrifice 7% into pension. I have seen an upside down house with wrap around garden, 25% share for £56,250. https://www.rightmove.co.uk/properties/87903045#/?channel=RES_BUY…

There have been a few threads regarding lack of build over agreements for pre 2011 conservatories so apologies if I'm repeating one but I couldn't find any that throw light on mortgage lenders approach to this. I'm really worried about selling my house that I inherited with it's 1980s small conservatory built over a sewage…

Currently remortgaging for the first time. My broker lead me to believe it would all be straightforward but this week has been a pain. Not exactly their fault, I guess, but I will be making a suggestion afterwards so they can make sure future client experiences better. They initiated the application and then the legal and…

Hi (please bere with me as it's my first (2nd actually I think 😬) post)......Paid off my Nat West mortgage of around £60k back on 15th April 2026. After a week or two I hadn't received any formal confirmation. Rang them up and was told I would not receive deeds etc to my property as all electronic now. Then started…

Hi all Just curious, if I am looking for a local whole of market mortgage broker can I please have your recommendations for a site to search with please. Thanks as always

My brother and I own a rental property which has about 16 years left on the term. We intend to keep it The current mortgage rate expires this summer so we need to remortgage but the broker and bank fees for fixed mortgages are £2.5k. The broker has access to the whole market. The comparable option would be to stay with the…

Our money is mainly in our home. We have about 40k in savings. Otherwise we live on our state pensions and a small income from airbnb. We have 2 adult sons, one with autism who can’t work and is on PIP and ESA. His housing is very insecure and we have decided we would like to buy him a house nearer us and his brother. The…

Hope someone can help! Bit of backstory…. My ex-wife and I have been divorced for fourteen years but never really settled financially. At the time of divorce, we owned two properties. A property 200 miles away in Dorset that my mother lived in, and was in my ex-wife’s name (for tax purposes), and is now worth £200k…

Hello My husband and I are currently looking for some advice for moving us forward and getting on the property ladder here in Scotland. Our situation: We have no adverse credit on our credit records (all three), have no missed payments etc We have £10,500 in credit card balances (all 3 on 0%) We have £10,600 personal loan…

Hi all, This is the discussion thread for the Getting a mortgage in later life or retirement guide. If you haven't already, join the forum to reply.

Hello, I would just like to gauge experience and opinion of remortgaging fees. The first time on a "fee free" mortgage a bill to the tune of £50 was charged by the conveyancer(employed by and working for the mortgage provider) for 'transferring funds' from our new mortgage provider to the conveyancer and then on to the old…

My hubby passed away last year,I’ve been put on a hold by the Morgage company during this time,while probate has been applied for since April last year 2025 by our solicitor. Since this April 2026 they’ve asked me to start paying the mortgage in my late husbands name or they will start the repossession process. I missed…

Hi Guys, I have £100k to go towards my mortgage, I am trying to figure out what would be better: Pay off £100k straight away but pay 6% ERC, or Pay 10% overpayment, put £40k into ISAs (me and my partner) and £40k into fixed saver account Option 1 reduces balance dramatically but ERC is high, Option 2 seems to be better,…

Just wondering when people become mortgage free. I’m 54 and have several BTL mortgages, but it’s the one on my main dwelling that I’m referring to. Unless I have an unexpected windfall, I think it’ll take another ten years. I was within 30 grand of paying it off nine years ago, but then we moved and upped the loan…

Hello! My mum and I live together and are downsizing after the end of her marriage. My plan is to buy into 25% of the new property, she will buy 75% with the sale of the house. I want to get a small mortgage of £30k to help purchase my quarter. From what I understand I can't get the mortgage alone? Because I'm a first time…