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Mortgages & Endowments sticky
Please be aware of the MSE Forum rules when posting on this board, notably: * If using the Forum as a professional, please note that posting on behalf of your business is only permitted if you are an MSE verified user. * Advertising and spam are not permitted. * Do not share any personal information, such as your own or…
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Equity Release and benefits.
My wife and I will shortly finalising an equity release (with drawdown) on our home. I've studied the matter in detail so I'm fully familiar with all the positive and negative issues but there's something I can't seem to find a definitive answer to. Our combined income is too much to claim pension credit. However if I die…
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How do remortgage offers work?
Currently on a 5yr fix mega low rate with HSBC which runs out end of August. Unfortunately I cannot reserve a new rate with HSBC until 90 days before the end date, which is June. Obviously I am very concerned that by June mortgage rates could be even higher. But I want to hedge my bets and have the option of re assessing…
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Can't find Mortgage options for separating couples
Hi formum peeps, I have a house with no mortgage, and have separated from my wife. I am looking at mortgage options for a property for me to live in, and don't see I would be classed as a first time buyer. I don't know what products i should be looking at or what the implications are. I do not want to sell the existing…
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Stamp duty - is Ireland completely separate?
Naturally stamp duty kicks in when you try and buy a 2nd home in the UK (if over £40k) But does that apply to your 2nd home in southern Ireland? Thanks
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Short Term Options during separation
My long term partner and I have split up and she has moved out leaving our children and me in the house. We had similar incomes so had always split the bills - since she moved out she has stopped contributing so my household income has dropped by 50% but all the outgoings remain the same - this isn't manageable and the…
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50/50 freehold - buying a property - pluses, pitfalls and ALL Advice please
Hello, My partner lives a way away and travels 60 miles to her new work which is still 15 miles from me. We therefore are looking for a small house near where she works as a second home for a couple of years till we trade in everything for something we want. We have found "flat", part of an old hall which need a bit of…
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Barclays Mortgage 2026 Processing Times
Hi everyone, Just wondering if anyone has recent experience with mortgage processing times with Barclays? Our situation is pretty straightforward - PAYE applicants, no adverse credit, and we're purchasing a new build property which will be ready in February 2027. We've already submitted everything and are now waiting to…
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Self employed: can it make sense to keep a small mortgage even if you can potentially pay it off?
Does keeping a small mortgage going provide any benefit in the scenario where someone might want to borrow against their property in the future? In other words - would it be easier to increase the amount of borrowing on an existing mortgage, than it would be to take out a new mortgage (I think it would be called an…
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Will DWP dept management and mortgage
Hi. I have DWP dept management payments on my bank account from Universal Credit overpayment. Will it affect my chances of getting a mortgage offer. My Credit score is excellent, I have never missed a payment.
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Paying off mortgage - continue annual overpayments or save for a single lump sum
Hi all. I currently overpay 10% of my mortgage annually, and given a round of "voluntary redundancies, followed by further discussions if we do not meet our targets" at my workplace I'm starting to rethink my current strategy of aggressively overpaying my mortgage, I'm not the best at formatting so please bear with me:…
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remortgaging - interest only
i am hunting more info. Not for my own circumstance. More " did i hear that correctly". apologies if it's in the wrong box. once i have paid off my mortgage, am i allowed in retirement, say to borrow £20,000 on "interest only" basis. with that refunded (plus costs) when i die. I would then have extra money in my pocket,…
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Part boarded my loft 20 years ago, now selling house
Hi all, I live in a 1997 build detached house, David Wilson homes in Nottinghamshire. I part boarded ( 25% around the hatch area only) the loft upon moving into the property 20 years ago. I am now selling this house. I have read reports that surveyors now condemn boarded lofts due to them oft-being screwed directly on the…
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Mortgage overpayment when mortgage rates differ
Hello I am hoping someone can give me information about overpaying a mortgage with Nationwide. This is for a family member. They have a 25 year mortgage with Nationwide and are now at year 20 . They had a 5 year fixed rate at 1.64% which comes to an end at the end of this June (how lucky were they). They can overpay 10% of…
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Equity release and paying off early
is it possible to get equity release and paying it off early?
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Letter of No Further Interest from Northern Rock PLC - any ideas?
Has anyone had to get a 'Letter of no further interest' from Northern Rock recently? If so, how did you do it? I am sorting out a life insurance claim - a policy of my dad's, who passed away recently. The insurer says that the policy is assigned to Northern Rock plc. I assume this was originally to cover a mortgage -…
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MSE News: Base rate held at 3.75% – here's what it means for you and when it might change
The Bank of England has once more held the base rate at 3.75%. We explain why, the latest predictions for when it might change, plus what it means for your mortgage and savings… Read the full story: https://www.moneysavingexpert.com/news/2026/03/base-rate-held/ If you haven’t already, join the forum to reply.
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Remortage frustration
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…
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Is there any benefit to overpaying in my circumstances?
I am currently have a two year fixed term mortgage. I plan to pay off the mortgage in full once the fixed term ends in around 18 months time. I am allowed to overpay up to 10% of the outstanding balance per year. Given I plan to settle the mortgage at the end of the two year fixed term, Is there any benefit at all to my…
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Mortgage fix coming to an end
My mortgage fix is coming to an end in June and I need some advice on what to do. My work is relocating away from London to Huntingdon. They are going to attempt to redeploy me in London, where I live, but its not guarenteed. As I had a stroke a few years ago, the new location may not be ideal due to a lack of public…
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I have a cifas on the official website
I have about 3/4 all saying I falsified bank statements and they referred it to Dfc and inspection. I need a mortgage but it seems like they are all on cifas to check. I was wondering why I kept getting declined and they wouldn't say just 'speak to your broker'. I kept going around in circles as it doesn't show on check my…
