Mortgages

Mortgages: should you commit to a 10-year fix?

With the Bank of England’s base rate rising above 0.5% to 0.75% for the first time since March 2009, the question on many mortgage holders’ lips will be what to do next.

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Help! I want to retire but I haven’t paid off my mortgage

Tuesday, 29 January 2019 | Article

We all want to pay off our mortgages as soon as we can and certainly before we retire and stop earning. However, for growing numbers of borrowers that won’t be a reality.

Older mortgage borrowers find pressure easing as lenders relax age rules

Tuesday, 29 January 2019 | News

Borrowers who still need a mortgage in retirement have more options as lenders increase the maximum age on loans.

Get 2.5% savings rate from Lloyds Bank and help your kids onto the property ladder without a deposit - but there's a catch

Monday, 28 January 2019 | News

Lloyds Bank has launched a new mortgage that does not require a deposit from first-time buyers, as long as a family member guarantees the loan by depositing money in a linked savings account. 

How to run the Bank of Mum and Dad: parents and kids need to talk more openly

Wednesday, 23 January 2019 | News

Families need to talk more openly about their finances before offering to help kids onto the property ladder, according to a report from the London School of Economics (LSE).

Can we pay the interest on our equity release loan?

Tuesday, 22 January 2019 | Question and Answer

Most equity release providers offer a provision to make partial repayments for this very purpose.

“We cleared our mortgage early AND SAVED thousands of pounds” - Here’s how you can too

Friday, 11 January 2019 | Article

Fancy being mortgage-free sooner rather later? Two homeowners who managed to pay off their mortgage early explain how they did it.

Relief for mortgage prisoners? Changes to affordability tests could rescue many stuck on expensive deals

Tuesday, 15 January 2019 | News

Mortgage prisoners may have cause for hope as the Financial Conduct Authority (FCA) concedes rule changes may be necessary to help them.

Mortgage lenders are failing to give vulnerable borrowers in arrears enough support, FCA finds

Thursday, 06 December 2018 | News

Mortgage lenders are failing to give vulnerable borrowers in mortgage arrears the level of support they need, the financial regulator has found.

What can I do to stop my wife being homeless when I die?

Wednesday, 14 November 2018 | Question and Answer

The first point is that even if you do nothing about your current mortgage, your wife would not be homeless.

No resolution for 140,000 mortgage prisoners as Treasury Committee calls for immediate action to help them

Wednesday, 14 November 2018 | News

Mortgage prisoners should be helped without delay, says Nicky Morgan, chair of the Treasury Committee.