Mortgages & endowments

I have a question around the Occupier’s Consent Form on the Mortgage Deed for Nationwide. One of the conditions of the mortgage is that the named occupiers (4 people) sign the form. My question is how does that work when the form only has space for two signatures? There’s only space for two witness signatures too. Please…

We arranged for our mortgage to switch to a new product (with the same lender) on 1 April through a large, well‑known broker. Everything was completed in February, and we were told the new rate would automatically take effect on 1 April with nothing further required from us. For context, I hadn’t realised we would be…

My wife and I own a fist floor flat. I have primary progressive MS and need to move to a ground floor flat which will cost more. Both my wife and I are pensioners, I receive the full state pension and my wife receives a 75% pension. I receive a small pension of £200 per month and my wife receives £60 per month. Our flat…

We originally took out a first time buyer 2 yr mortgage via a local broker with Natwest at 5.1%. This is coming up for renewal and we are looking at our options. Natwest are offering re-mortage terms similar to the initial rate. The original broker should be getting in touch soon but I've also come across Tembo which…

Hi all, my partner and I are in a difficult situation and would appreciate any help you could give us. We put an offer in for a property in November 2025 that was quicky accepted. We were aware at the time of putting this in that the sellers were awaiting a new build to be completed so completion may not be until…

Hi My wife an I have just been rejected for a mortgage with our own bank. Not sure what to do now. We have sold our house for £270,000, we currently have a mortgage for £53,000. Between us we have debts of £35,000. Looking to put £166,000 down as deposit with a view to borrowing £86,000 for new mortgage and to pay debts…

hi , I’ve had a mortgage offer approved 4 days ago but now the seller of the property I was buying have pulled out. I have now found a new place today would Halifax be able to just transfer over the offer to the new property or would I have to re apply for a new one from scratch?

Help!! Ive been going through a re-mortgage process since mid March 2026! Essentially I have 2 mortgages with the same lender (1 was taken to do an extension) and one of them is out the fixed term at the end of May, the other in 2028. I also have a 2nd Charge from some overspending on said extension! I have a mortgage…

My 85-year-old mother plans to sell her house and move into a bungalow. She has a lifetime Scottish Widows interest-only mortgage, split into two parts – one being variable and the other fixed rate, with £177,000 outstanding. She will be porting this mortgage. The paperwork mentions a lump sum from the lifetime mortgage,…

I’m looking for some advice please. My remortgage is due next month, but I’m not sure what to do. I’ve kind of put it to the back burner with a newborn and life stuff. We are looking to move but probably won’t be in a position to put our house on the market for about 6 months. I was looking for a portable mortgage but I am…

I have ~18 months left on my mortgage. The outstanding balance is ~10k, and I have enough to pay it off in full. I'm on the SVR so I'm going to pay a chunk off as the interest is a noticeable chunk. My question is whether I should pay the whole lot off, or leave a small sum on the balance. Within the next year or two, I'll…

I’m 50 and ~5-7 years from retirement. Given current mortgage rates I’m looking for some perspective on a move I’m considering for my remortgage which is due in a just over a years time. I want to prioritise flexibility and "certainty" over the next few years. The Situation: Mortgage: £215k interest-only at 2.84% (ends Aug…

Hi Looking to move house soon. Currently mortgage solely in wife’s name, new home will be in both our names and therefore needs adding to the mortgage. Question is, do we add to the mortgage before going on the market, or is it straightforward enough to do it at the same time as moving? Current provider is Santander if…

My current mortgage deal (with HSBC) expires in July and I can now switch to a new rate. I've applied to switch (online) and have been given an offer that I have two weeks to accept. Can HSBC withdraw this offer within those two weeks or am I better of waiting until the end of the two weeks to accept in the (probably…

Hello all . I am looking to make a claim to MAS no. 5 for unfair mortgage interest rates. I have received a summary of the rates we have been paying from MAS but to be honest, I cannot make sense of what the figures mean and if we can make a claim at all as our mortgage was interest only? . I hope I made sense and I am…

hi all, i had a mortgage jointly with my mother and i have now completed the change of borrower application to remove my name. Mortgage is all updated but land registry is not updated yet. I am also in the middle of purchasing my own place and the exchange is about to happen but now the solicitor is saying i will have to…

I'm a FTB at the age of 50 (!) and would just like to understand the process a bit more whilst I'm agonisingly waiting for news. My broker is great, but feel like I'm bombarding him with enough questions! I am (hopefully) buying a house for £190000, with a 10% deposit. This is through NatWest, who also issued me with a…

How acceptable are MMC especially Insulated Concrete Formwork not only for original self build mortgage but perhaps also more importantly when considering future saleability? There are many benefits to the new methods of building but if the property cannot be remortgaged efficiently after self build is complete or when…

We are lucky enough to have a second home that we rent out. No mortgage. £1200 amonth less fees etc. House value about £275000 Id like to fully retire (im 64) so I Im thinking of either selling the house and all the Cap gains tax. Spend some, draw down/invest the remaining OR remortgage (if I can) £100,000 to use in my…

Good morning, I wonder if anyone would be able to help with a few questions I have about Regulated BTL mortgages. Backstory - I'm in a lot of debt (would enter a self managed DMP if/when I know my housing situation is secure) I own a home with my ex partner and have 3 10/11 year old sons. Current property £111,000 left on…