A 親族 申し込む／申し出d to lend us money to 支払う／賃金 off our mortgage: Should we do it? DAVID HOLLINGWORTH replies

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Our two-year 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語 mortgage を取り引きする Halifax is finishing at the end of this month. The 率 is 現在／一般に 3.09 per cent.

現在／一般に we have just over 13 years left on the mortgage, but we have been overpaying by 10 per cent each year for the last five years and managed to 減少（する） the balance やめる 意味ありげに.

At the end of the 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語 our mortgage balance should be just below £35,000 - and we are considering 支払う／賃金ing that off in 十分な.?

We have £14,000 in 貯金, and family member has 申し込む／申し出d to lend us the 残り／休憩（する）.?

SCROLL DOWN TO FIND OUT HOW TO ASK DAVID YOUR MORTGAGE QUESTION??

Mortgage help: Our 週刊誌 Navigate the Mortgage Maze column sees 仲買人 David Hollingworth answering your questions

?Our question is, are we going to be 支配する to an 早期に 返済 刑罰，罰則? Also, what is the 過程??

Do we need to 知らせる the bank or just wait until the date the 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語 finishes and 支払う／賃金 the 残り／休憩（する） of the 量?

If we don't decide to take the money, we will probably remortgage again with Halifax and continue overpaying. We think we will be able to get a 率 of around 4.9 per cent.?

David Hollingworth replies:?The big 増加する in 利益／興味 率s over the course of the last couple of years has seen many borrowers looking to 減ずる their 去っていく／社交的なs by 支払う／賃金ing off their mortgage.

You've 明確に been making the most of low 利益／興味 率s in 最近の years to 減ずる the mortgage more quickly through overpayments.?

This appears to have worked 井戸／弁護士席, and put you within touching distance of 支払う／賃金ing off the mortgage.

> How to remortgage your home: A guide to finding the best 取引，協定?

What are the 可能性のある 刑罰，罰則s?

Most 直す／買収する，八百長をするd 率s will carry an 早期に 返済 告発（する），告訴（する）／料金 during the 直す／買収する，八百長をするd 率 period

Put 簡単に, this means that if you 支払う／賃金 off the mortgage before the agreed 称する，呼ぶ／期間／用語 finishes, you will have to 支払う／賃金 a 百分率 of the mortgage balance as a 刑罰，罰則.

This 変化させるs depending on the 貸す人, but is usually between 1 and 5 per cent of the 量 you 借りがある. Some 貸す人s will 減ずる it depending on how many years are remaining on a 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語.?

Most will also give some 柔軟性 to 許す overpaying without incurring a 刑罰，罰則.?

The big 増加する in 利益／興味 率s over the course of the last couple of years has seen many borrowers looking to 減ずる their mortgage 支払い（額）s by 支払う／賃金ing off their mortgage 早期に

貸す人s will typically 許す overpayments of up to 10 per cent per year to be made without any ERC.

The 10 per cent 限界 will often be based on the 優れた balance and 適用する each year. That could be a year from the point of 完成 or, in the 事例／患者 of Halifax, each calendar year based on the balance at the beginning of each year.

However, some 貸す人s will base the 10 per cent 限界 on the 初めの balance, so it always makes sense to check the 詳細（に述べる） of the individual 製品 and 貸す人.?

Other 貸す人s 申し込む／申し出 more generous ERC-解放する／自由な overpayments, such as Natwest and Metro Bank which 許す up to 20 per cent per 年 for those that can manage to 返す more.

Your 成果／努力s have 明確に made 重要な inroads into the mortgage, but when considering 支払う／賃金ing it off in 十分な it is important to make sure that you do still have some accessible cash as 雨の day 基金.?

It is possible to get a mortgage overpayment 支援する, but you would need to remortgage which could 背負い込む cost and take time.

> What next for mortgage 率s and should you 直す／買収する，八百長をする??

Shopping around ? think 料金 解放する／自由な for small balances

It's also good to see that you continued to keep a の近くに 注目する，もくろむ on the 率 that you have been 支払う／賃金ing.?

If you decide against 支払う／賃金ing off the mortgage, I think it is likely to be the 権利 move to consider staying with Halifax and taking a 製品 移転 given the small remaining balance.

貸す人s may 適用する a 最小限 貸付金 量 for new remortgage 顧客s, 潜在的に 課すing a 最小限 of £25,000 or more.?

It's also important to look out for 付加 switching costs, whether to の近くに the 現在の mortgage or 始める，決める up the new mortgage.?

Any 料金 is going to drag the 全体にわたる value of a 取引，協定 負かす／撃墜する when the mortgage is this small, so it's likely that a 焦点（を合わせる） on 料金-解放する／自由な 選択s will 証明する to be cheaper.

It's 価値（がある） taking advice as that will help you understand the open market 選択s and 持つ／拘留する them up against the 選択s from your 存在するing 貸す人.?

A 仲買人 will be able to 査定する／（税金などを）課す both for you and help put a 製品 移転 in place if that is the most appropriate 選択.

What if they decide to 返す the mortgage??

Much will also depend on the 条件 of the 貸付金 from your family, such as whether there will be any 利益／興味 to 支払う／賃金 on the 貸付金 and how the 貸付金 will be repaid.?

Other things to be （疑いを）晴らす about would be whether anything formal is in place such as a 告発（する），告訴（する）／料金 or 制限 存在 placed on the 所有物／資産／財産.?

It would be sensible for both parties to take 独立した・無所属 合法的な advice to understand any 可能性のある implic ations of the 私的な 貸付金.

ーに関して／ーの点でs of 返すing the mortgage in 十分な, it should be a 比較して straightforward 過程.?

Check the 条件 of the 早期に 返済 告発（する），告訴（する）／料金 carefully and then request a redemption 声明. This will give the 正確な 量 that will need to be repaid on a particular day.

That will 示す any ERC (hopefully simple to 避ける) and any other 料金s such as a mortgage account 料金 that may 適用する on の近くにing the mortgage.?

Once you have the 正確な 量 you should be able to make a 支払い（額） direct.?

Most 貸す人s have useful （警察などへの）密告，告訴（状） online for 存在するing 顧客s on how to manage and 返す their mortgage.