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Mortgages & endowments

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

Mortgage
Hi everybody, I made an application with Nationwide on 7th of May and very next day my application went to Audit. I got the AIP with Nationwide and Accord by the way. I am not sure what does this mean and the likelihood of approval. Circumstance: Me: Employed from 10 years. wife: Self employed for 2 years and now employed…
Help me decide
It’s a long one bare with me So I’m fresh out of an IVA paid off but waiting completion cert so still on credit file, paid off 3 weeks ago and said up to 8 weeks to receive cert. so could be a few more weeks yet. Default to BG £76 registered May 2020 queried it as not right and they are removing it but taking its time.…
Getting a Mortgage for construction costs
Hi all. I’m a first time buyer and had my LISA for a number of years. I’m intending to purchase a house that is fairly run down/dilapidated that I want to fix up. I intend to use my LISA to use as a deposit on a mortgage. If the mortgage I could get is higher than the value of the house, am I able to use some of the…
Experience reapplying with same lender?
Hello, We went through the whole process of submitting an application with Santander at the end of March. It was decline due to them needing an extra document that I was only able to obtain now. Broker said that was apparently all that they needed, and that they were happy with everything else. We are due to apply again in…
Residental Mortgage + BTL issue
Hi all. Appreciate your thoughts on this one, but realize speaking to our broker may be an option. The scenario is as follows. We currently own a property which we intend to sell and purchase another, obtaining a residential mortgage to do so. Affordability checks came back fine. At the same time, my OH owns a property…
Mis Selling Mortgages
I hope you can help me please. I have been contacted by a company called Lawcost Legal Limited who apparently have bought out Commitments Protection with regards to mis selling of mortgages.I did have a PPI claim with Commitments which I was paid out back in 2006. I also paid Commitments 2 lots of £354 for them to look in…
Lawcost Legal LTD
Does anyone have info on Lawcost Legal LTD? i cannot seem to find anything positive about them, and very limited info online. Thanks
Mortgage and Partner's Credit Rating
Can someone please advise if my husband’s credit rating will be negatively affected if he adds me to his mortgage? We have separate finances and he’s got a perfect credit score. I had a voluntary house repossession in the past which will continue to affect my credit rating for another 3 years. I want to pay a lump sum…
Tennant's in common
Hello. My husband and I are in a second marriage. When we purchased our home we had unequal deposits. We purchased our home for £247,500 his deposit £160,000 from the sale of the house but mine was only £10,000 from my divorce. That gives him 65% and me 4%. We are wanting to put in place a document to secure our interests…
Selling two properties to buy one - strategies
Hi all, I am looking to buy a house with my partner. We both currently have flats with mortgages, I have just accepted an offer on my flat (let’s call it Flat One), Flat Two is going to market shortly. We do not need the small amount of equity in Flat 2 for our onward purchase - there is significantly more equity in Flat 1…
Equity worries - disabled lodger
Had a Equity release some 2 yrs ago with myself and partener which both are on the electoral register. Our daughter who is registered with a disability. She currently lives at another property and is on the electoral register for that property. Her well being is not as hoped, so we want her to come home with us. Our Will…
Mortgage term lower than agreed with the lender
Hello, I did apply for a remortgage in April 2022 as my deal was coming to an end in October 2022. The mortgage offer from the lender says 2 years (24 payments) with a fixed rate to 31/08/2024. Completion was done on 04/10/2022 and I've received an email from the current lender to say that my mortgage will change to a SVR…
Who paid the mortgage
For legal reasons i need to confirm that i was the sole person who took out and paid my mortgage and completed the full payment finished in 2011.
KENT RELIANCE EXPERIENCES
Hi, I'm looking at moving my savings to Kent Reliance from Santander as they are reducing there interest rate significantly. I have heard of Kent Reliance before but have always used high street banks. Has anybody any experience of having a savings account with Kent Reliance good or bad??
mortgage term
first time buyers and broker has based on 35 yr term, Any advice about shortening term but paying more per month? if we take 5yr deal can we change the term on next renewal? also can we ask broker about deals we have seen on moneysaving best deals?
2 Year or 5 Year Fixed?
Hi all, Just after some different opinions on my remortage scenerio House value with current provider £167k, ourtstanding mortgage £124k (LTV 74%) £124k mortage made up of 2 products £116k (2.65% fixed 30/06/2024) £8k (2.65% fixed 30/06/2024) Offered the below fixed rate 2 year (fixed 31/08/2026) 4.99% + £799 fee 5.15% no…
Is it worth taking a 5 year fix now?
I've got 4.46% locked in and have until tomorrow to accept it. I was all set to take it but am now having a wobble! Currently on a tracker at 0.34% until September 2025. LTV is well under 50%. With it looking like the base rate will start dropping from as early as next month I'm just after opinions on what you would do.…
Santander mortgage Error 9+ years ago
Good Evening Everyone, Was hoping someone can give me some advice of the following Santander error I have been notified of today by letter. It’s states that in 2015 I l ended a mortgage early with Santander and took a new one within 3 months and should have been refunded the early exit fee from the original mortgage with…
New job - Will this affect me getting a new mortgage?
Good morning all, I am hoping I can get a little advice here. I have been with my employer for around 16 years, but have the opportunity to get a new job elsewhere for more money. I am currently looking to move house and will need to apply for a new mortgage when I do so. How will moving to a new company effect getting a…
No declaration of trust/equity split with ex
Hi, I was wondering if anyone could help with this. I stupidly made a decision to buy a new build property with my now ex almost 2 years ago. We split up and have been living separately for 6 months. It was as nasty a split you could imagine. The initial plan was to sell the property as soon as possible, but with it being…

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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
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.

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Mortgages & endowments

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