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- Feed Preview Mortgages & home | Mail Online
Homes for sale at five-year high, says Zoopla: Will house prices fall?
The property portal has revealed there are 20% more homes on the market than this time last year. What does that mean for buyers and sellers?
Large family houses costing an average £683k are hot property, says Rightmove, as asking prices jump
The asking price of the typical newly-listed property rose by £4,207 in April to £372,324, driven by higher values on four and five-bed homes.
Mortgage rate rises announced by five lenders: HSBC, Barclays and NatWest all hiking interest
Five mortgage lenders have announced they are increasing rates in the latest blow to home buyers and anyone looking to remortgage.
My mortgage ends soon on my shared ownership home: Should I pay it off or increase my stake? DAVID HOLLINGWORTH REPLIES
Being mortgage-free is attractive and would remove rate uncertainty - but staircasing would lower the rent. Which is the better option?
I want to let my flat on Airbnb and travel - will I breach my lease, mortgage and insurance?
I own a one-bed leasehold flat in London and I'm looking to take a two-month sabbatical to go traveling in July. Am I able to rent it out on a short-term basis while I'm away?
Could my mortgage cost me more than I make from house price rises?
With the help of data from Finder, we crunch the numbers on predicted mortgage costs and house price rises in the coming decades. Will homeowners still be better off?
House prices fell 0.2% in last year, official figures report - but it depends on where you live
House prices remain slightly lower than they were a year ago, according to the latest figures from the Office of National Statistics.
The 25 trickiest home buying terms explained, from gazundering to covenants
The home buying process is filled with jargon, and Zoopla asked people to explain 25 key terms to see how much they really understood.
What next for mortgage rates?
Fixed mortgage rates have edged up since February, after almost six months of consecutive rate cuts by lenders.
Should I pay off my student loan before I buy my first home?
I am on the student repayment plan type 2 and the interest keeps mounting up. I have finally saved enough to buy my first home. But should I clear my debt first?
Property market to bounce back this year according to latest Rics survey
Property experts say they are seeing rising numbers of enquiries from home buyers, as well as more sellers coming to market.
Want a mortgage offer in 15 minutes? Super-fast lender MPowered now offers top rates
MPowered Mortgages claims to be the fastest mortgage lender on the market, because it uses artificial intelligence or AI to speed up applications for borrowers.
Households in crisis: Mortgage brokers reveal how borrowers are coping with higher rates
Mortgage advisors tell us how their customers are being impacted by higher rates - from stretching their loan terms switching to interest-only deals or asking family for help.
How much could messy neighbours knock off the value of your home?
An unkempt home next door can put off a potential buyer - but what can sellers do to encourage them to clean their act up?
A THIRD of first-time buyers now depend on the Bank of Mum ...o get on the property ladder as the figure doubles in 20 years
Official figures have revealed that almost half of first-time buyers now rely on handouts from their nearest and dearest.
How would YOU fix the housing crisis? Take power from councillors and Nimbys, says mortgage expert Peter Stimson
Peter Stimson of MPowered Mortgages says the UK should lead by the French example and have clearly defined rules around house building.
New build house prices boomed 17% last year while older homes dipped: Our map shows price gap in YOUR area
The price of new homes is speeding ahead of older ones. We look at what is happening across the UK, and whether housebuilders are driving up prices by slowing down construction.
House prices fell in March, says Nationwide, as North-South divide emerges
House prices fell slightly in March as the spring property market got off to a drab start in the South but the North fared much better.
House prices fell £2,900 in March according to Halifax: Here's what experts predict comes next...
Property prices fell in March, according to the latest figures from Halifax, representing the first monthly fall since September.
Mortgage approvals hit 17-month high, says Bank of England
It marks the highest level for mortgage approvals since September 2022, when rates began to skyrocket following the disastrous mini-Budget.
I'm living with my ex - can we get a another joint mortgage so one can leave? DAVID HOLLINGWORTH replies
We can't sell the home unless we accept less than what we paid for it, and neither can afford to buy outright on our own. What are our options?
A THIRD of all homes are now being bought by first-time buyers... and in London it's HALF
A property firm has revealed that first-time buyers have been behind 33% of house purchases in the UK this year, an all-time high.
Four in 10 mortgages will last into retirement age
The Bank's figures showed that nearly 50 per cent of mortgages issued in the fourth quarter of last year were for terms of 30 years or more.
Where in the UK do homes sell fastest... and slowest?
It currently takes an average of 71 days on for homes to find a buyer. Rightmove has looked at which areas beat that time, and which take a lot longer.
House prices will stay flat in 2024, says Zoopla as buyers haggle to get big discounts
Static house prices will be the story of 2024, according to Zoopla, but that won't stop buyers from haggling big discounts.
New 99% mortgage could get first-time buyers on the ladder with just £5,000
Yorkshire Building Society's deal could enable first-time buyers across England, Scotland and Wales with a £5,000 deposit to purchase a home valued at up to £500,000.
Boost for borrowers as Santander, HSBC and Barclays slash mortgage rates
HSBC has reduced the rates on its two, three and five-year deals with a deposit of less than 10%, while also hiking rates for those with larger deposits.
My son keeps being turned down for a mortgage due to lift access in the building - what can he do? DAVID HOLLINGWORTH replies
My son and his girlfriend have been declined a mortgage twice. Their credit score is not a problem but they've been declined on the grounds of inadequate lift provision.
Why Britain's homeowners are surviving much higher mortgage rates
Mortgage arrears have gone up as rates have soared, but there hasn't been a rise in repossessions. We look at how homeowners are managing higher home loan costs.
Should you wait until after the election to sell your home? What property experts say
While we don't know when the election will be yet, those planning to move may be concerned that any changes in policy or general uncertainty could affect their plans.
How many Britons are struggling to keep up with mortgage payments?
We look at how higher mortgage rates are impacting people's finances - and how many are missing payments.
Bank of England holds interest rates at 5.25% AGAIN - what it means for YOUR mortgages and savings
The Bank of England has opted once again to hold the base rate at 5.25%. We explain why that has happened, and what it means for your personal finances.
My mortgage ends soon - should I stay with my lender or use a broker to look elsewhere?
I have just received an email from my mortgage broker alerting me that my current deal is coming to an end in seven months' time. What are my options?
House prices rose in January says ONS, as new builds go up by a huge 9%
House prices rose by 0.5% in January, according to the latest figures from the Office for National Statistics.
Why almost one in ten mortgage holders are missing utility bill payments
Consumer group Which? found that 8.1% of mortgage holders failed to pay a utility bill, loan or credit card payment in the month to March 8.
Does a Manor beat a Rectory? House names most likely to sell for £1M
It's unlikely to do much good if you stick one on an average three-bed semi, but when it comes to expensive homes there's something in a name.
The buy-to-let we bought in 2007 is still in negative equity: How do we get out? DAVID HOLLINGWORTH replies
We're trapped on a high mortgage rate and it is giving us sleepless nights. Should we refinance our own home to try and get out of this buy-to-let nightmare?
Property asking prices saw biggest rise in 10 months in March, says Rightmove
Average asking prices rose by 1.5% in March according to the property website, which stated that it may be it may be 'past the bottom of the market'.
Are we in a mortgage crisis? Here's how much payments have really risen
Many households face the prospect of much higher mortgage rates - but how much more are they actually paying, and how is it impacting their finances?
Prospect of more mortgage rate rises causing housing market 'caution'
Suspicion that the recent easing in mortgage rates is 'likely to stall' has triggered ongoing 'caution' in the housing market, according to the Royal Institution of Chartered Surveyors.
Borrowers urged to act fast to secure best rates as typical mortgage is on sale for just 15 days
People attempting to sort their mortgage are finding the best deals are not staying around for long.
Will the Chancellor's attack on holiday lets really help renters and first-time buyers?
Jeremy Hunt wants to make more homes available for renters and first-time buyers, by changing the rules for those that already own more than one home. But will his plan work?
I'm 69 with £60k interest-only mortgage - what options do I have? DAVID HOLLINGWORTH replies
My Mortgage is with Mortgages PLC which has now informed me that I still have £60.314.87 to pay off. I am 69 years old. I was under the impression I had been paying extra.
Santander, NatWest and Halifax all increase their mortgage rates
Several of the UK's largest mortgage lenders have hiked their rates today, as interest on home loans continues to move upwards.
Can we add £150,000 to our mortgage to cover Labour's VAT on school fees?
We have two children in private school and are worried that we won't be able to afford it if Labour imposes VAT on fees.
Mortgage rates won't head lower despite better OBR forecasts - here's why
Millions of mortgage borrowers will continue to face a financial shock over the coming years as they continue to drop off cheaper fixed rate deals.
How would YOU fix the housing market? We need 30-year fixed rates, says mortgage boss Arjan Verbeek
Arjan Verbeek, founder of mortgage lender Perenna says a market reliant on short-term fixed rate mortgages means borrowers aren't protected against rising interest rates.
House prices rose for fifth consecutive month says Halifax
Property prices rose by 0.4% in February, according to the latest figures from Halifax, representing the fifth monthly rise in a row.
Are new build homes REALLY more expensive? We crunch the numbers
There is a perception that new homes are more expensive than the second hand market, and property experts tend to agree with this view. But that may not be true in all areas of the UK, as new dat...
Hunt hands buy-to-let landlords capital gains tax cut in the Budget
The move brings the tax paid when selling a buy-to-let property closer to the levy charged on other investments.
Mortgage rates will peak at 4.2% - far lower than forecast just four months ago, OBR says
House prices are expected to fall by around 2% in 2024, according to the central forecast from the OBR.
Property taxes to rocket 74% in five years as Chancellor decides against Budget stamp duty cut
Jeremy Hunt decided not to offer home movers a stamp duty cut in today's Budget, ahead of threshold rises next year which mean it could cost thousands more to buy a property.
I can't afford my own home but can get a buy-to-let - should I do it?
I have a 25% deposit, but as a single person my income isn't enough to get a mortgage where I live. Can I buy a home somewhere else to rent out?
Higher mortgage rates hit homeowners' retirement savings
More than a fifth of mortgaged homeowners say their repayments are stopping them from saving more for later life.
Quarter of first-time buyers taking out 35-year or longer mortgages
Figures from the trade body UK Finance showed the proportion of first-time buyers signing up to 35 year mortgage terms hit a new record.
Should I get a buy-to-let mortgage on my flat in order to buy my next home? DAVID HOLLINGWORTH replies
I was thinking of taking £50,000 out of the flat I own to put down as a deposit towards a 100,000 house I would buy.
House prices rose in February, says Nationwide: Annual growth up for first time in 13 months
Property prices rose in February due to lower mortgage rates, according to the latest Nationwide house price index.
I'm a landlord - but don't own the home my family live in: Property expert on why he loves renting
People tell him he's throwing money away, but Rob Dix argues that his family have the flexibility to move when they want - and he never has to spend weekends doing DIY.
Is the housing market heating up? Zoopla reports more buyers, sellers and sales in busy start to 2024
The property portal reports there are 11% more buyers in the market now than a year ago, while the number of agreed sales is up 15%.
Own New mortgage scheme offers sub-1% rates for new-build buyers: Is it a good idea?
The Rate Reducer scheme, run by the property finance company Own New, will offer buyers rates as low as 0.99% if they buy a home with certain housebuilders and mortgage lenders.
Should I fix my mortgage or take a tracker? We ask a dozen brokers what they'd do
Anyone taking out a mortgage at the moment will likely be pondering the same questions - how long to fix for? Should they fix at all?
Homeowners hit as 'down valuations' cause mortgage headaches
Growing numbers of homeowners who remortgage are being forced to pay thousands of pounds more for their home loan due to the value of their properties being slashed.
What 99% mortgages could mean for first-time buyers... and the housing market
Jeremy Hunt is reportedly drawing up plans that would allow first-time buyers to get on the property ladder with just a 1 per cent deposit.
Best downsizing locations revealed: Over 65s can unlock £300,000 on average
The average downsizer could unlock more than £300,000 by moving from a four bed to a two bedroom home, new analysis by the property firm Savills has revealed.
What 1% deposit mortgages could mean for first-time buyers... and the housing market
Rumoured scheme could help renters struggling to save a deposit - but experts say repayments could be too high for some, and it could push up house prices even further.
Installing green tech in your home could boost property value by 15%
Homebuyers are seeking houses with environmentally friendly upgrades such as solar panels, triple glazed windows and roof insulation.
Last of the sub-4% fixed mortgages disappear as HSBC hikes rates
Homebuyers and homeowners looking to bag a sub-4% mortgage rate have until the end of today to bag the last one before they disappear.
Best cities for first-time buyers: Is yours in the top 10?
The Co-operative Bank ranked 30 UK cities on average house price, crime rates, traffic levels and life satisfaction, in order to work out the top destination for first-time buyers.
Can I remortgage to help my daughter buy her first home? DAVID HOLLINGWORTH REPLIES
I want to help my daughter buy her first home by giving her the money she needs for a deposit. Are there mortgages for older people to help raise the money she needs?
Readers back our call for stamp duty to be cut in next month's Budget
Our campaign has drawn support from politicians and housebuilders who describe stamp duty as counter-productive, anti-growth and an economic dampener.
Sub-4% mortgage rates 'could disappear this week' as Santander announces hikes
Homeowners looking to remortgage will therefore have until the end of today to bag Santander's five-year fixed rate at 3.99% with a £999 fee attached.
Man who forecast last two property slumps says house prices will jump 20% before falling in 2026
The house price prophet who forecast the last two property crashes years before they happened, has warned of another impending boom and bust on the horizon.
Property asking prices rise for second month in a row, says Rightmove - as buyers get back in the game
Average newly-listed asking prices rose this month to £362,839, according to the property portal - and more new homes are being put up for sale, too.
We're dodging monstrous £22k stamp duty bill by building a shed office instead, says LEE BOYCE
My wife Danielle and I are currently living our own version of Love it or List it , the Channel Four television show fronted by property royalty Kirstie Allsopp and Phil Spencer.
Most expensive standard variable rate mortgages revealed: Is YOUR lender charging nearly 10%?
Britons coming to the end of their fixed rate mortgage deals are in danger of finding themselves falling on to rates up to 10 times higher .
Where UK house prices officially fell the most in 2023 - and areas that bucked the trend
House prices officially fell last year, according to the latest figures from the ONS, but while some locations had double-digit falls others saw property values continue to soar.
We can't afford to downsize! Retired couples are facing massive stamp duty bills
Jim and Simone Steele (pictured) are keen to downsize from their current property just outside Haverfordwest in Pembrokeshire.
Where did house prices rise and fall in 2023? Winners and losers revealed
More than two in five homeowners will have seen the value of their home fall last year, according to Zoopla - but some areas have had much better fortunes.
Timeshare misselling victims' nine-month wait for banks to cough up payouts
Thomas and Agnes Woods (pictured) are desperate to draw a line under the timeshare nightmare that has cost them £48,000 over the past 24 years.
Could a stop-gap stay with family ruin my mortgage application?
Our reader is planning to move in with family while they look to buy - but are worried that not being named on household bills and higher travel costs could cause a problem.
Should I buy a flat with 20 years remaining on the lease?
I know a flat with such a short lease might be difficult to sell in future, but it would allow me to buywith cash in abetter area.
Fixed mortgage rates fall for sixth month in a row: Will it continue?
The overall average two-year fixed rate fell by 0.37 percentage points to 5.56% in January, according to Moneyfacts - but some lenders are now raising rates.
Hunt urged to allow first-time buyers to tap pensions for house deposits
The Housing and Finance Institute says scheme would help those priced out of owning a home - but experts raised concerns that the pension money will never be replaced.
'The only way we can downsize is by paying our buyers' stamp duty': How property tax is trapping old and the young
Crime fiction writer Sharon Birch, 58, and her partner Stephen are desperate to downsize from their five-bedroom townhouse in Seaton Carew, Hartlepool.
How much do first-time buyers need for a deposit in YOUR area? Use our interactive guide to find out
First-time buyers are forking out as much as £53,414 on average to get on the property ladder. But how much they pay varies wildly depending on where you are in the country.
Homeowners in mortgage arrears up 25% in a year as rate increases bite
The number of homeowners and buy-to-let landlords in mortgage arrears has jumped in the past year - though the amount of homes being repossessed remains low, according to UK Finance.
House prices rise for fourth month in a row, says Halifax as it hails 'positive start' to 2024
The typical home now costs £291,029, which is almost £4,000 more than in December, according to the lender.
Property market on the up? More movers are contacting estate agents say Rics and Rightmove
The housing market is heating up with increasing numbers of people looking to buy or sell, according to two separate reports.
Housebuilders cut back: Number of new homes planned fell 44% last year
The number of new homes registered by developers fell from 189,009 in 2022 to 105,449 last year - a drop of 83,560, according to the National House Building Council.
Cut stamp duty now! Hunt should tackle the tax wrecking the housing market, says JEFF PRESTRIDGE
If there is one tax cut that Chancellor Jeremy Hunt (pictured) should make in next month's Budget it is to stamp duty on house purchases.
Is shared ownership a good way to help my daughter buy her first home? DAVID HOLLINGWORTH replies
My daughter is currently living in London and is hoping to get on the property ladder somewhere around the London area.
When to sell your forever home - our definitive guide to the right time to downsize for retirement
A recent report by the estate agent Savills suggests that the number of downsizers active in the housing market increased by 53 per cent last year.
Nationwide hikes mortgage prices even as base rate is held - in wake of a move by rival Santander
Nationwide said it would put up rates on some of its home loan products just a week after announcing cuts - and in the wake of a similar recent move by rival Santander.
How would YOU fix the housing market? Property expert says older people need incentives to downsize
Retirement property expert Russell Jewell argues that if we want to help young people on to the housing ladder, it must be easier and more affordable for older people to move.
Nationwide to increase some of its mortgage rates from tomorrow
The lender, which cut rates only nine days ago, will now raise the interest rates on selected deals by up to 0.30 percentage points.
Bank of England holds interest rates at 5.25% - what it means for YOUR mortgages and savings
The Bank of England has opted once again to hold the base rate at 5.25% in its fourth consecutive pause. We explain how this affects homeowners and savers.
I'm 39 and earn £42,000, how can we afford to buy a home for our family of four? DAVID HOLLINGWORTH REPLIES
We live in the South of England where similar houses to the one we rent cost almost £500,000. How can my family make the move from renting to owning?
House prices post biggest monthly rise in a year, says Nationwide
Falling mortgage rates and buyers becoming more confident are helping to revive the property market, Britain's biggest building society said.
How big a deposit do first-time buyers need around Britain?
First-time buyers out down £9,057 less for their homes in 2023 than they did the year before, according to one of the UK's largest mortgage lenders.
How to repay your mortgage a YEAR earlier - and save thousands - using this National Insurance trick
A worker earning £30,000 could slash their total mortgage interest by £7,405 if they diverted the recent cut in National Insurance contributions to overpaying their home loan, Santander says.
Ten key tricks to make your family wealth a fortress protected from inheritance tax attack
Record numbers of bereaved families are paying inheritance tax on the estates of their loved ones.
Is now a good time to buy your first home? You could bag a bargain before house prices rise
There are more homes on the market and fewer people interested in buying them, which means buyers could get a good deal - but mortgage rates remain a sticking point.
How to keep your cheap fixed mortgage and move home: Porting can avoid high rates
Mortgage brokers are reporting an uptick in the number of people taking their fixed rate mortgage with them when they move home.
House prices fell in December... but market now heating up says Zoopla
The property portal said prices fell by 0.8% in the 12 months to the end of December, but more buyers and sellers were now entering the fray.
Buying is STILL cheaper than renting - even with higher mortgage rates
For the first time since May last year, an average single renter is worse off each month than the average single first-time buyer, according to exclusive data.
Is now a good time to buy your first home? We investigate whether buying is still cheaper than renting
The number of first-time buyers nosedived last year, amid soaring mortgage rates and worries about a house price crash. Does buying look like a good option again in 2024?
Nationwide cuts mortgage rates: Lender now offers sub-4% deal
Nationwide has waded into the mortgage price war with a wave of rate cuts across its fixed rate and tracker deals.
Can my daughter keep her 10-year fix mortgage after a break-up? DAVID HOLLINGWORTH REPLIES
My daughter has split with her partner, three years into a 10-year fixed mortgage with Halifax. Can she port the loan, and what are the rules around that?
Santander puts up mortgage rates just FIVE days after cutting them
Santander will be increasing rates on all of its mortgages, including its best-buy two-year fix and exclusive rates for first-time buyers.
Mortgage price war intensifies in boost for borrowers as Barclays cuts rate by 0.5%
It follows a host of cuts so far this year including last week when HSBC, Natwest, Metro Bank, TSB, Santander, Coventry and Skipton all lowered rates.
Number of property millionaires tumbles... but 670,000 homes still top £1m
The total number of homes in Britain worth at least £1m sat at 670,101 last year, 8.3% lower than in 2022 but still 29% higher than before the pandemic.
Next door's garden fence has fallen down and the property manager is ignoring me - what can I do?
The building next door is a block of 14 flats and the residents are apparently paying high fees to this company for maintenance - but it refuses to fix the fence.
Home sellers are raking in six figure profits on average: We reveal where they made most
The average household in England and Wales who bought within the last 20 years and sold in 2023 made a profit of £102,650, according to Hamptons.
How would YOU fix the housing market? Gresham House's property expert David Orr
David Orr, former chief executive of the National Housing Federation, says he would focus on social and affordable homes and making properties more energy efficient.
Mortgage rate cuts are about to STOP, warn experts
Experts are warning that mortgage rates are about to stop falling, after the surprise jump in inflation reported on Wednesday.
What are your rights if your new-build goes wrong? DEAN DUNHAM on what to do if there is a problem with YOUR property
As 88 new-build homes in Cambridgeshire are demolished because of 'foundation issues', we look at what you can do if there's a problem with your new home.
Santander launches new best buy mortgages: Rates edge closer to 4% on two-year fixes
Santander is offering several of the cheapest rates for two-year fixes, including for those with 40% and 15% deposits.
Do mortgages have an age limit? I'm 65 and rent but just got an inheritance: DAVID HOLLINGWORTH replies
I have received enough money to put an £85,000 deposit down on a £120,000 home. As I am nearing retirement, what is the chance of getting a mortgage for the rest?
Should you fix your mortgage now or wait for rates to fall back? All you need to know as inflation rises to 4%
It was the first time the UK consumer prices index rate of inflation rose in ten months, after November saw it slow to 3.9 pc, the lowest level in more than two years.
House prices record fastest annual fall since 2011, ONS figures show
The typical home was worth £285,000 in November, which was £6,000 lower than a year earlier, according to the latest official figures.
Four more major banks cut mortgage rates - when will two-year fixes go below 4%?
NatWest, HSBC, TSB and Metro Bank join a total of almost 50 other lenders that have reduced their residential rates since 1 January.
Property asking prices rise 1.3% in January as Rightmove reports busy start to the year
Property asking prices went up in January, according to the property website, thanks to the most bullish start to the year since 2020.
House prices will RISE 3% in 2024, says property firm as it backtracks on prediction of 4% fall
Estate agent Knight Frank had previously predicted a 4% fall by the end of 2024, but has flipped its forecast into positive territory on the back of falling inflation.
Stamp duty should be repaid for owners who insulate homes, MPs urge Hunt
In a bid to incentivise green improvements, MPs and think tanks are urging ministers to back a 'Rebate to Renovate' tax refund scheme.
My home has fallen in price and I need to move: Should I let it or sell at a loss?
My girlfriend and I both own our own flats in London with big mortgages. If we sell them and buy or rent somewhere together, we would make a loss.
Blink-and-you'll-miss-it mortgage deal: Co-op Bank pulls best buy rates three days after launch
The Co-operative Bank is withdrawing most of its market leading mortgage rates, only three days after launching them.
It's a tough time to be a first-time buyer: Here's what they need to know about getting a mortgage
Higher mortgage rates are taking a heavy toll on first-time buyers. We explain what they can afford and what mortgage rates they can get.
Why a bigger mortgage deposit doesn't lower your rate as much as it once did
Cash rich buyers with big deposits are finding they are not receiving the preferential mortgage rates they once were, This is Money's analysis can reveal.
Barclays and Santander next major lenders to cut mortgage rates
Barclays and Santander have become the latest lenders to announce cuts to their mortgage rates, including sub-4% offers.
Should I buy a home with smaller deposit and keep some cash in savings?
Is it better to pay as large a deposit as possible upfront to reduce the size of the mortgage, or to use a smaller deposit?
How would YOU fix the housing market? We ask Aneisha Beveridge of Hamptons
Aneisha Beveridge of Hamptons says a bold Government investment in rented housing would bring costs down for young people.
Now it's easier to buy a second home in France whatever your budget
That dream of buying a French chateau could become closer to a reality this year thanks to a new change in immigration rules.
The best mortgage deals on offer NOW as lenders slash rates in New Year price war
Mortgage rates continue to hurtle downwards in early 2024, with Co-operative Bank the latest lender to announce rate cuts, taking the best fixed deals further below 4 per cent.
Peach Fuzz: Pantone's colour of the year predicts a rosy and inviting 2024
Peach fuzz is a rich blend of rose pink and coral, and is ideal for bringing ease and glamour into your home without an expensive renovation.
House prices rose by 1.7% in 2023 says Halifax - but it predicts fall for 2024
The mortgage lender said average house prices rose for the third consecutive month in a row, going up by 1.1% in December alone.
Should we repay our Help to Buy loan or focus on our mortgage and other debts first? David Hollingworth replies
We used the Help to Buy loan to buy our home in 2020, which is around £80,000. We want to repay it but are wondering if we should instead pay our mortgage to save interest.
Mortgage calculator: Compare fixed rates and interest-only costs
Our calculator allows you to see how different mortgages stack up, compare repayment and interest-only and see how much interest you will pay over the lifetime of a loan.
A relative offered to lend us money to pay off our mortgage: Should we do it? DAVID HOLLINGWORTH replies
We have £35,000 left to pay, and could clear the balance with our savings and some family help. The alternative is to remortgage on to a higher rate. Should we do it?
My ex doesn't want me to port our mortgage even though it will save us money: DAVID HOLLINGWORTH replies
If we ported the mortgage, we would both avoid early repayment charges and I could keep our current low rate on my next home. Do I need my ex's approval to do it?
My interest-only mortgage ends in seven years: What are my options? DAVID HOLLINGWORTH replies
I'm worried about remortgaging as I don't have a great credit history, and what's more worrisome is that I have no endowment to pay it off when it ends.
I bought a home with my brother-in-law, can I remove him from the mortgage? DAVID HOLLINGWORTH replies
I purchased with myself and my brother in-law. I had put down all the deposit for the house and make all the payments but he was put on a joint application to try and boost what we can borrow.
I've been overpaying my mortgage: Can I get the money back ...t in a higher rate savings account? David Hollingworth replies
I want to take advantage of high fixed-term savings rates, and then pay the money back in to my mortgage plus interest in a few years' time. Is that possible?
My daughter's house has spray foam insulation: Can she get new mortgage?
The problem wasn't discovered in the survey when she bought the house, and now we are worried she might struggle to remortgage or sell it.
My daughter is stuck on an interest-only mortgage: How can she avoid becoming homeless?
My daughter is terrified of losing her home, which she bought 15 years ago when she and her husband were newly married.
My savings outweigh my mortgage: Should I pay off the debt or keep saving?
I find myself in a fortunate position where my savings now exceed the remaining amount on my mortgage. I'm trying to decide what the best thing is to do financially.
My son and his partner bought a new build with Help to Buy - do they now lack the income to remortgage?
I wonder if you could give some advice regarding a mortgage my son has with Nationwide.
My wife and I want to buy a home - but can we get a mortgage in our mid-50s?
I'm 56 and my wife is 54 - and finally, we are ready to buy a home. However, mortgage brokers say there is nothing available because of our age. Is that right?
My partner and I are separating: Can one of us keep our joint mortgage?
As we both plan to buy a new property, would it be possible for one of us to port the deal to a new mortgage and avoid an early repayment charge?
Should I use a tax-free pension lump sum to pay down my mortgage before I retire?
Should I cash in my 25% tax free lump sum from direct contribution pension, in order to reduce the amount of interest I would have to pay on the mortgage?
I'm 4 years into a 5-year mortgage and need to move but San...rging a 5% penalty - what can I do? DAVID HOLLINGWORTH replies
I took out a five-year fixed rate mortgage with Santander four years ago. My circumstances have changed and now I need to move.