Endowments

Will overpaying on a ten year fixed-rate interest only mortgage reduce the capital?

A reader from Cambridge wants to know if overpaying on an interest-only ten year fixed mortgage will help reduce the capital owed at the end of the term.

86% of endowments face shortfall

Some 86 per cent of mortgage endowment polices look set to face a shortfall.

Endowment policy remaining after divorce?

A reader from Mid Glamorgan has lost contact with his ex-wife, but her name is still on their old endowment policy.

Taking an ex-partner off an endowment policy?

A Liverpool reader's husband has a former partner's name still on an endowment policy. What is the best way to finish the break-up?

Juggling different mortgages?

Repossession increases 'will up selling on endowment policy'

Concerns about the property market and an increase in repossessions could increase the number of people aiming to sell or surrender their endowment policies.

Sold an endowment policy by a firm that has ceased trading?

A reader is seeking help gaining endowment policy compensation, but her original advisor does not seem to exist.

Endowment complaint left waiting?

A reader is facing a three-year wait for an endowment complaint to be dealt with by the Financial Ombudsman Service (FOS).

Can you combine endowment and standard mortgages?

Can you combine an existing endowment mortgage and a new repayment mortgage?

Can I use an existing endowment to offset a new mortgage?

Is it possible to use an existing endowment policy and offset it against a new mortgage when buying a new home?

What if I do nothing?

If you are warned about a potential endowment shortfall what should you do? 

Surrendering your endowment policy

Is it a good idea to surrender your endowment policy? 

Endowment mortgages: The background

myfinances.co.uk looks at the background to endowment policies; the hot financial product fuelling the housing boom in the 1980s and beyond. 

Endowment mortgages - your options

If you have an endowment mortgage shortfall you have four basic options

Selling your endowment policy - FAQs

If you decide to sell your endowment mortgage how does the process work and what do you need to do it?

Endowment claims firms: Easy option or expensive mistake?

While experts label endowment mortgage claims companies expensive and unnecessary, consumers like using them. 

How to file an endowment complaint

If you are facing a shortfall on your endowment mortgage and were mis-sold it you could claim compensation. 

Are you entitled to endowment compensation?

If you are facing a projected shortfall in your endowment policy, you might be entitled to compensation. 

Is a fixed, capped, or discount-rate best for paying off mortgages fast

When shifting from an un-competitive rate to pay off a home loan fast is it best to go for a fixed-rate, capped-rate, or discount rate mortgage?

How do I deal with an endowment shortfall?

Is it worth using your savings to make up an endowment mortgage shortfall?

Brits like endowment mortgage claims firms

While experts label endowment mortgage claims companies expensive and unnecessary, new research shows consumers like using them.

Should I take an interest-only mortgage?

Are interest-only mortgages useful if you plan to move again soon?

Endowment mortgages sold for £1,000s too little

By selling endowment policies back to the provider, mortgage holders are missing out on thousands of pounds.

First-time buyers blind to property finances

First-time buyers are oblivious to the full financial implications of owning a home, new figures suggest.

Steep rise in endowment mortgage complaints

There is a record high in endowment mortgage complaints, new figures show.