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@someone12 The lender puts a charge on your registration of ownership (deeds) in the land registry … another institution would put another charge … if you stopped paying … both would have to take legal proceedings with you and with each other … not pretty … so they won’t do it.

@hemantbobby get salary sacrifice if you can OP ... then there's no tax return to file.

@emmsmom81 So you’ve answered your own question 😊

@emmsmom81 You might have one on 1% and one on 5% … you can only remortgage for 6% … meaning you are far worse off If you can get a lower rate then do it

@emmsmom81 You could combine them by paying them off with a third mortgage but often they are different %ages and advantageous to keep them as is. Two institutions won’t give mortgages on the same property.

@lwilliams777 Don't save for a wedding would be my advice ... do something far more sensible with the money.

@emmsmom81 See my reply above

@thietkenhaxinh When you say 'the flat has set my rate' ... what do you mean ... the flat is a building? Do you have your own meter ... do you go to a shop and top up a key ... or pay online to top it up ... or is there a bill you can look at online.

@annastasia you are effectively a lodger then ... that makes more sense.

@annastasia Are you renting a room in a house with no lock on your own door to your own private space ... or renting a place where you have the front door keys to yourself ... ? TV license would not normally be included in any rent as you might not have a TV ... if you can lock your own door...

@annastasia I'd split out the bundles a bit more to single things so you can see where the money is going and what you need to change ... 'bills' are included in your rent agreement for an extra £250 pcm ... or have you just written £250 because it is enough to 'cover the bills' ? Typically the...

@proudpa2 OK ... expensive mistake ... but you should be able to port ... if they won't allow you to get the top up mortgage then something is wrong with your budget. What is your gross salary and how much are you trying to borrow in total ?

@proudpa2 Why are you paying the early exit fees ... time the move better if you have to change providers to get the funds you need ... just drop onto their standard rates for a month or two ... or for just a day ...

@vettesfan they have to be from the same provider though ... can't have two companies fight it out over who will get their money back if they could even force a sale independently

@bw1 you might want to update your contact address with them and everyone else obviously ... but there are no tax considerations for you ... there might be for your parents regarding council tax though ... but if both are healthy and not students, or both unemployed there probably isn't.