u/Advanced_Arm6676

Please can someone help explain as per title, I currently have a mortgage on a property which we bought for £170k (5% deposit so 161500 mortgage) at 4.05%, 35 year term, 5 year fix. 1 year left on fix

I am looking at moving in the near future however I am still within my fix term period, I do not want to pay the early repayment fee so trying to work my head around how the porting of mortgage and borrowing more works?

House I am looking at moving to is 210k, and my house (based on approximate valuation) has gone up 10-15k since we bought it, so approximate value of 180-185k. With this I have an approximate equity amount of £27-32k.

Few questions with this:

• How is the interest calculated on the additional amount required? Is that based on the LTV of the new house value?
• If I needed to "release" some of the equity month to pay for solicitors fees and stamp duty, is that possible?

Apologies if this is a silly question, I can't seem to wrap my head around it all!

Please can someone help explain as per title, I currently have a mortgage on a property which we bought for £170k (5% deposit so 161500 mortgage) at 4.05%, 35 year term 5 year fix.

I am looking at moving in the near future however I am still within my fix term period, I do not want to pay the early repayment fee so trying to work my head around how the porting of mortgage and borrowing more works?

House I am looking at moving to is 210k, and my house (based on approximate valuation) has gone up 10-15k since we bought it, so approximate value of 180-185k. With this I have an approximate equity amount of £27-32k.

Few questions with this:

• How is the interest calculated on the additional amount required? Is that based on the LTV of the new house value?
• If I needed to "release" some of the equity month to pay for solicitors fees and stamp duty, is that possible?

Apologies if this is a silly question, I can't seem to wrap my head around it all!

Hi All,

I have a query regarding loan/interest - specifically how interest "refunds" work when not paying in lump sum.

I am looking at clearing a car finance agreement as quickly as possible, the current balance is £14500 inclusive of remaining balance, interest and balloon payment. (It's a PCP agreement).

I don't have this in order to pay it in one go, so looking at overpaying each month until the balance is zero. The settlement figure on this is currently £12600 (not exact). My main query is this: If I overpay, will I pay the full £14500 or will interest be taken off this figure and potentially save £1900 or the equivalent adjusted on repayment length?

Apologies if I have explained that horribly

EDIT: The consultants have just categorised it as Chronic Pancreatitis today.

Hi all, follow up to my previous post, my wife for the past 3 months has been hospitalised with AP, the only consistent link is her period has started the day of or day before being hospitalised. She has previously been diagnosed with PCOS and Adenomyosis.

She has had MRI, Ultrasound, CT, and EUS all of which have come back with nothing, blood tests all seem fine too so we're at a loss of what's causing it... No gallstones or sludge or history of excessive alcohol consumption.

Can anyone recommend some things to do to minimise/reduce the chances of an AP attack? I have been reading about progesterone-only pill - my wife is sceptical as she has a history of clots (8+ years ago) caused by the combined pill plus the other side effects of mini-pill.

We are just feeling a little lost and anxious, we're around a week from "due" date and it's really worrying us, healthcare consultants don't seem to be too bothered which is winding us up also

Hi all, I am really hoping for some advice because we don't seem to be getting anywhere with medical professionals and she can't keep going through this. My wife has had issues with recurring pancreatitis for the last 3 months in a row. The common denominator in each occurrence is her period. She has PCOS and Adenomyosis. Endometriosis was ruled out after some tests

I'll include a timeline of when this issue started:

• 1st Attack - 16th March 2026

She first went to the hospital on the 16th of March after reporting severe abdominal pain which radiated to her back, after spending all day in A&E she was transferred to a ward where they performed tests which confirmed acute pancreatitis, they did blood tests, ultrasound and a CT scan but couldn't locate any stones, they put it down to them being small or "gristly" which caused the first attack. She was allowed home a week later and managed pain from home.

She had a couple of drinks a few days before (2 glasses of wine and lemonade), and got her period on the 21st April (evening)

• 2nd Attack - 22nd April 2026

A month later she starts her period again, initially puts pains down to period cramps, however these start getting worse so we go back to A&E where they confirm it's once again a Pancreatitis attack. This time they do an MRI and ultimate put it down to alcohol consumption as once again 2 days before she had a couple of drinks (family party).

She's home from the hospital a week later and managing the residual pain from home

• 3rd Attack - 22nd May 2026

Exactly a month after the 2nd attack she starts experiencing severe pains again and a fever, so we go back to A&E a third time. During this trip she has spoken to a gynaecologist who said it's very rare for it to be related. This morning the consultants have come round so we mentioned "Catamenial Pancreatitis" which raised some eyebrows however they won't explore this until a test with an ultrasound camera down her throat has been done, which we're still awaiting confirmation of.

NO alcohol has been consumed since going into the hospital from the last flare-up.

I was wondering if there's anyone else who has had a similar experience, and if there's anything you can suggest to help as this is breaking my heart watching her go through this every month. She's incredibly anxious for her next period in case it happens again. This is also affecting her employment as her workplace will only tolerate a certain amount of sickness before they will let her go. She has worked 3 weeks in 9 because of this.