Mortgage assistance

Discussion in 'Bulletin Board' started by WMRed, Sep 1, 2025 at 10:48 AM.

  1. WMR

    WMRed Active Member

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    #1 WMRed, Sep 1, 2025 at 10:48 AM
    2 year fix currently. Doesn’t end until September next year so plenty of time. Just noseying at rates on uswitch. Just wondering realistically what is the difference between doing it through Uswitch or any other comparison site over with a mortgage advisor?
     
  2. Dan

    DannyWilsonLovechild Well-Known Member

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    #2 DannyWilsonLovechild, Sep 1, 2025 at 10:50 AM
    Not all rates are published. A mortgage advisor will have access to those and can give you personalised advice. I'd always use an advisor.
     
  3. kektyke

    kektyke Well-Known Member

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    #3 kektyke, Sep 1, 2025 at 11:05 AM
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  4. TonyTyke

    TonyTyke Well-Known Member

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    #4 TonyTyke, Sep 1, 2025 at 11:29 AM
    ^^ This ^^
     
  5. Journo Tyke

    Journo Tyke Well-Known Member

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    #5 Journo Tyke, Sep 1, 2025 at 11:51 AM
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  6. JLWBigLil

    JLWBigLil Well-Known Member

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    #6 JLWBigLil, Sep 1, 2025 at 11:54 AM
    100% this. Allen is as honest as the day's long, as well as being one of the nicest blokes you could wish to meet.
     
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  7. Merde Tete

    Merde Tete Well-Known Member

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    #7 Merde Tete, Sep 1, 2025 at 12:35 PM
    I can also recommend @Journo Tyke - recently sorted out quite a complex mortgage for me, and showed infinite patience as we changed the house we were buying late in the day! Took all the stress out of the process.
     
  8. onlyonesteviecooper

    onlyonesteviecooper Well-Known Member

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    #8 onlyonesteviecooper, Sep 1, 2025 at 12:51 PM
    Could I possibly ask a Mortgage related question, probably Journo Tyke can answer it for me. Ive just paid off my mortgage, so is that now it, or ive heard I still have to pay the land registry to get your mortgage provider taken off the deeds of ownership. Does any body know if this is correct and is it worth doing. Thanks in advance
     
  9. Journo Tyke

    Journo Tyke Well-Known Member

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    #9 Journo Tyke, Sep 1, 2025 at 1:06 PM
    Very kind of you mate, hope you’re well.
     
  10. Journo Tyke

    Journo Tyke Well-Known Member

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    #10 Journo Tyke, Sep 1, 2025 at 1:09 PM

    Hi, you or your solicitor must apply to discharge the charge.

    Rough process:
    1. The lender should send you a DS1 form (or submit it electronically to HM Land Registry).
    2. If they submit it electronically, the Land Registry will update the title automatically.
    3. If they give you a signed DS1 form, you can submit it via:
      • Online portal (if you have an account)
      • Or send it by post to HM Land Registry with a completed AP1 form.
    Once the DS1 is processed, the lender’s name/charge is removed from the title register.

    I’d definitely get it done.

    Hope that makes sense.
     
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  11. onlyonesteviecooper

    onlyonesteviecooper Well-Known Member

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    #11 onlyonesteviecooper, Sep 1, 2025 at 1:11 PM
    Brilliant, thanks ever so much for your advice
     
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  12. Redhelen

    Redhelen Well-Known Member

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    #12 Redhelen, Sep 1, 2025 at 1:21 PM
    Another thumbs up for @Journo Tyke who has just sorted a first mortgage for my son and he said he would definitely recommend him, he explained the process well and answered all his queries.
     
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  13. lk3

    lk311 Well-Known Member

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    #13 lk311, Sep 1, 2025 at 2:29 PM
    Can you get a DS1 yourself?
    Our provider Halifax just said contact HMLR yourself
     
  14. nezbfc

    nezbfc Well-Known Member

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    #14 nezbfc, Sep 1, 2025 at 4:51 PM
    Halifax would have to sign and confirm it. So I would have expected that they have the responsibility to complete it and arrange it. Surely?
     
  15. lk3

    lk311 Well-Known Member

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    #15 lk311, Sep 1, 2025 at 5:03 PM
    You’d have thought so but the letter said if we have it we will send it, if you don’t receive within 6 weeks contact LR yourself, hence question.
     
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