We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgages & endowments

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

nationwide remortgage with extra borrowing
For info we are already current nationwide lenders, our fixed term has finished so we are re-mortgaging with them and want to borrow extra for renovations. we have just had our DIP accepted for the extra borrowing, and are going to complete the full application next week. I'm wondering what the process is going to be like…
Paying off mortgage what's involved?
Hi I'm about to pay off my mortgage (will take on another once I move in future). What is involved in paying off my mortgage other than just clearing the outstanding balance?I'm out of my mortgage fixed term.Are there any other additional fees involved and do I need to get a solicitor involved and how are the title deeds…
Selling property for mortgage deposit and clear debt
I was left a property in an inheritance , it’s currently being sold and the plan is to use £160k as a deposit on a home and £30k to pay all debts off and solicitors fees.Now we’ve put an offer in and had an aip. Thing is we’ll need to pay our debt from the sale of the property to give us the best chance of getting the…
Overpay mortgage or save to earn
I have 2.5 years left on a 5 year fixed mortgage on 0.99% interest (£180k remaining). Last year I inherited £100,000 and wonder whether to overpay 10% of the mortgage for the remaining 3 years or whether I’d be better off putting it all in a high interest bank account and earning £ on interest to pay off in bulk when fixed…
Guarantor for mortgage
Hi everybody I’m an italian living in Scotland and i have a stupid question fo you all. I’m waiting for the Scottish Scheme LIFT to help me buy my first house. This year, this benefit it’is delayed, should have started in April but so far there are no news yet, probably for all these budget cuts from the government.…
Car insurance renewal post mortgage offer
Hi I’m sure this has probably been discussed before however I have just received my mortgage offer from Nat West however my car insurance is due to renew next month. I’m aware some lenders run a further credit check before completion and I’m concerned renewing monthly car insurance will be seen to be a new open account on…
No consent to let
Any advice would be appreciated. I bought a flat with a residential mortgage about 23 years ago and lived in it for about 2 years and then let it. I was going abroad and I didn't really know at the time you should get consent to let. The flat has been let since then. And it was quite a favourable mortgage for a long time…
Mortgage brokers - accessibility-friendly?
Hi, I have had an offer accepted for a lovely property, and am navigating my way through the estate agent and solicitors very well. However, I am having an absolute nightmare with L and C due to their broken user journeys. I am hearing impaired and unable to take or make telephone calls. I have clearly mentioned this in my…
Mortgage porting, will we loose the intrest we have recently paid
We are porting our current mortgage to a new property. Our broker submitted an application to port an amount of 198k (what we had left on our mortgage in January when we applied) and then we are getting a top up mortgage at a different rate. We are still waiting to move and as such we have made multiple payments to the…
Moving home vs early retirement
I have savings and have been in a dilemma do I buy a bigger house and pay a few hundred more for extra so do I retire earlier than 65 in the future? I looked at a bigger house but felt it could compromise location. I feel frustrated with this house as some newer houses have newer windows or kitchens. I also realise moving…
Remortgage Issue - Help!!
Hi, I wanted some advice on my current situation on my remortgage. My current fixed rate deal is set to mature at the end of this month, which I have a pending offer but due to the Land Registry not being complete I cannot proceed further with the conveyancer to get the remortgage over the line. The Land Registry has not…
opinions on level of offer
House has been on the market for c2 years, was reduced to offers in excess of £299,900 about 18 months ago. Would you think £270,000 is a bit low - its over 90% of the asking price or should I go in a bit higher? £280,000 is as much as I'd like to spend, could push it to 285 if I had to. I'm in a good position, in rented,…
Mansfield application…. Good sign?
For anyone who remembers my previous thread about choosing between the 2 brokers etc. The DIP never came back from Bucks and I got my £250 back, I’m not sure it was ever even submitted since they never did a credit check but never mind. Anyhow full application submitted to Mansfield17th May, was told up to 7 days for…
TSB additional borrowing
Anyone any experience of timescales etc? Applied a week ago, told processing time is currently 2 days and usually get offer letter within a week. After 2 days, chased and they replied with a question on one of payslips. Said valuation was requested on day of application and they'd be in touch when it was booked. Surely it…
Buying a house in probate
Good afternoon! I’m currently in the process of purchasing a house that’s in probate. The seller of the house is an only child so the house is only going to him. We have had our mortgage accepted on the house and now going through the solicitor to finalise everything. The seller of the house said it should take 20 weeks…
BISF mortgage, halifax
We are hoping to buy a BISF property from our landlord using a concessionary purchase and after rejection from halifax due to house construction type our new broker said halifax is our best shot. Weve had an AIP and submitted full application. Valuation is wed. I cant seem to find any evidence of anyone mortgaging this…
Bluestone mortgages
Hi our application with bluestone went in last Thursday and our valuation is booked for the 14th - is getting to valuation stage a good thing? We are first time buyers never in a million years did we think we'd be able to even possibly buy a house I just don't want to get too excited 😅 so any info or time lines would be…
Remortgage but living abroad
Not sure what is likely to happen with this. Moved over to Australia but have kept our house in the UK. Have family living in it on the basis that they send me the mortgage payment each month. It means they have somewhere to live cheaper than what is available locally and my mortgage gets paid, so felt like a win win. When…
Friends Provident International surrender and tax implications
Hi all, We have a Friends Provident International Pemier savings account that we were sold 20+ years ago when we were expats, it really does nothing for us and we are looking at surrender. Its a jungle out there with info so my question is what are the likable tax implications closing this account down, moving the money on…
Transferring Mortgage to a Different Property – Advice Needed
I’m based in the East of England (London commuter belt). My family owns two properties. One belongs to me and has a mortgage of approximately £220,000. The other, owned by my relatives, is more expensive and mortgage-free. I want to transfer the mortgage to the more expensive property, making my property mortgage-free so I…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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 low-income 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.
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.

View All

Mortgages & endowments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Mortgages & endowments

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free