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Mortgages & endowments

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

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…
House for sale. Short term fixed rate mortgage?
Hi I have a second home that I rented out but ended the tenancy as I intended selling as my five year fix was coming to an end this August. The house is currently on the market but not shifting as quick as I would have liked. No offers yet! Is anyone aware of a short term fixed rate mortgage with minimal or no redemption…
Re-Mortgaging with same Lender with two years remaining to travel
Hello, I am thinking of taking some time out to go traveling, probably for around 12 months. The mortgage I currently have would have just under two years remaining on it at the point I leave to go and as I plan to travel for 12 months, that would leave around a year remaining on it when I return and look for a new job as…
Inaccurate initial mortgage valuation report.
Good morning, I am looking for some advice/possible solutions to our current problem if possible! I'll briefly outline our situation. We bought a flat that is composed of 2 separate self contained units. There is a one bedroomed flat and then on the floor above there is another room with bathroom which has it's own…
Nationwide mortgage process?
Hi there, I've applied for a mortgage through a broker with Nationwide as a FTB with a 10% deposit. So far I've sent 3 months bank statements and payslips. A valuation is booked for this week. What else will they ask for/need? I think I've got about £400 of deposit left to pull together but not even sure of the length of…
LISA, Savings or Interest Only?
I'm wondering if it's better to use a LISA or savings for a house deposit if they at a similar level? The LISA is tax free but not as accessible. Lack of accessibility helps it accumulate over time, where as if I was disciplined with my saving it would incur tax when it accumulates, especially if the ISA allowance is cut…
Inherited property but first time buyer
Need some advice and guidance. My dad passed away few weeks ago and left myself and my brother the family home 50/50. My brother has his own property and wants me to buy him out to keep the property in the family. I’ve never had a mortgage and have savings in a LISA that I wanted to use towards buying my first home. I’ve…
Separation/Divorce - Moving out, possible to obtain another mortgage.
Hi, Bit of a morbid post, but it is what it is. My wife and I have decided to split after 16 years in a relationship, the last few haven't been very enjoyable at all, now it's not fair on the kids (9 and 13). Not ending nastily, we both knew it was coming, but now what to do with money/house/mortgage. I'm - wanting to -…
JBSP mortgages with longer terms for older parents
I am considering helping my first time buyer daughter with a JBSP mortgage- however, I am 59- does anyone know of a lender that would consider going beyond the normal 70/75 year end of term?
New Mortgage with no job
Hi all. About 20 years ago I got a new mortgage when I had no job but up to 25% deposit. I used a mortgage advisor now retired or dead and all I had to do was sign a form declaring I could make monthly payment, irrespective of no income or proof of how I would make payments. Do this provision still exist ? I have been told…
Paying off mortgage
We are hoping to be in the position to pay off our remaining mortgage in the next 3 or 4 months. Our current 10year deal is set to expire in September. Is there a procedure to go through ? Do we need to make an appointment with the mortgage person at the bank to officially inform them of our intent ? Is there a recommended…
Themortgagelender TML
Hi A question for any brokers on here, or people who know. Has my broker went to the wrong lender? We are remortgaging, we want to borrow some extra too. We have gone to TML, I was looking at there criteria. It states they wont lend more than 75% LTV on ex local authority which ours is, it also has limits on non-trad…
Re Mortgaging and adding my partner
I am currently the sole owned of my home valued at £420000 and have a mortgage of £89000. I am just about to remortgage and borrow additional funds for an extension / home improvements ( additional £140000 so the total mortgage will be £230000( with fee ) . My partner will be taking this new mortgage on with me (a 50/50…
Shared Ownership Mortgage After DMP
Hi I’m 54 years old and have just paid off my DMP and would like to purchase a shared ownership home-ideally as soon as possible. Can anyone recommend any brokers who could help? thanks
Halifax product transfer
Hi all, This situation is hypothetical because I am next level crazy worrier!! My work are making redundancies (albeit voluntary at the moment). I don’t think my role will be at risk. My fixed term is up in March next year (yes I know I’m crazy). If I was made redundant prior to the remortgage and hadn’t yet secured a new…
Clarification on expiring offers/MIP/extensions
Hello, may I describe a situation and ask for some knowledgeable feedback, please. FTB has a Mortgage in Principle arranged in June, runs out 20th August. They have finally found a house and made an offer. Even if accepted, there is no way it will be completed by the end of the mortgage offer. As the buyer is self-employed…
Changing mortgage rates before completion
Me and my partner are currently in the process of buying our first home, it’s a new build and we have a competition date of the 28/11/25. We have a mortgage in principle with an adverse lender because I have 2 Ccj on my credit file one will be at 6 year on the 9/8/25, the other will be 6 years old on the 16/10/25 and I…
Need to finance roof repairs. Can we adjust mortgage or other option to fund it?
Current main financials: Mortgage £65,951.90 Remaining term: 11yrs 5mths (we have been in the property for 14 years this year) Current LTV: 23% 1.99% Fixed rate until 30/06/27 Loan for car £9,948.00 (£194.65pm x 60 months at 6.50% fixed) Savings approx £2500 Our attached garage and kitchen flat felted roofs need replacing,…
Remortgage for a buy to let
I have no mortgage on my residential property valued at £500,000 Could I remortgage my home to purchase a buy to let I understand buy to let's you need 25% deposit However if i am remortgaging my residential house to raise the funds would I still need to a 25% deposit The buy to let is £375,000 and I will put down 10%…
40 years mortgage, should we take it
We found a house to PX priced at £320k. To be able to afford it at £1000pm for 2years fixed the mortgage advisor increased our term to 40 years. I'm 35 now and my husband is 32. Should we take it? Is it wise? At the back of my mind maybe we should take it now and just downgrade later on in life or maybe we die and the…
Fixed term ending
Good afternoon i was after some advice please. My fixed term mortgage is ending in 6 months and I think now is the time to look for a new deal. Where do people find the best place to compare Mortgages? I was also reading that if you find a good deal you can apply but leave if a better deal comes available is there much to…

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Mortgages & endowments

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