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Anyone used Habito?
Thought I’d see what they could offer and first 20 deals are direct to lender.
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Nationwide inventing risk factors to make me pay 10's of thousands of pounds more on my mortgage
hi everyone * I felt a bit nervous back in January /February when I first contacted my mortgage broker / advisor regarding my feeling that interest rates were going to be an issue for us with our mortgage deal running out in 2023. (I mean call me clairvoyant if you like!!) * We Agreed back then that we would secure a deal…
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Getting a new fixed rate deal with Halifax. What's involved?
I've made an appointment with Halifax to discuss a new fixed rate as I'm on the SVR. Halifax have asked me to bring two years self employed accounts, tax returns and three months bank statements. This sounds like the process I went through getting a mortgage 15 years ago! I was under the impression they'd just let me chose…
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Switch with current lender or wait on offer from new lender?
Hi. I'm just wondering what other people would do in my situation. I currently have a mortgage of £215,000, which is in 2 parts; £100,000 fixed period ends 31 Dec 22 and £115,000 ends 30 Nov 23. I initially secured a rate switch with my current lender (HSBC) on part 1 at 3.78% for 5 years. With further consideration to…
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Planned enough as FTB?
Hello all, after the recent economic events I thought that I should sign up to the forums. Times certainly have become frightening. As first time buyers we purchased our forever home in January 2022 which was 262k in the North East, now valued at 286k as per the Halifax index. We were very fortunate to get a 5 year fixed…
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Fix Ending November 2023
Hi All. We are beginning to panic! Last week I rang HSBC to talk about coming out of our 2.15% fix early and paying a ERC charge which is £1060. They explained current rate was 3.93%, however couldn’t offer us an appointment until Monday 3rd October. We spoke with our mortgage advisor Monday who told us to hold fire as…
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Are mortgage providers withdrawing offers?
The telegraph and news night yesterday both suggested mortgage providers are withdrawing/reneging on written offers. I am not sure whether they actually mean agreement in principle rather than a mortgage offer which has been through underwriting. I would like to hear if anyone has had a mortgage offer withdrawn since…
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Reason to release capital of existing property
Hi, I have a property (mortgage free) but wanted to remortgage it so that the money release can be used to buy another property. The current property will be let out. I have applied for a buy to let mortgage and has been approved and the rate offered is 3.3%. Given the recent horrible news about potential housing crisis, I…
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Are we on the return to normality?
As we come to the end of artificially suppressed interest rates are we seeing a return to historic normality?
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Remortgaging - Low LTV
Our fixed rate 1.9% deal ends at the end of November. House value £290,000, mortgage debt £39,800. Can get a 5yr fixed Natwest @ 4.0% ish. Just wondering if there are any interesting options out there other than remortgaging. Both of us are working and we have £23K in savings.
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Fixed rate coming to end
Hi, I'm looking for some advice on our situation. Our fixed rate of 1.9% is due to end February 2023. Should we be acting now to try and find another deal? Or leave it closer to February and hope for a miracle in that time? Any advice appreciated, Thank you.
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Santander flexible remortgage
Hi I have had a flexible offset mortgage with Santander that is a tracker. I want to remortgage to Santander but their products for existing customers exclude flexible mortgage holders. Can anyone tell me why and how to get the best deal now available from them. Online digital help wasn’t even reading my question 😂
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Drawn out remortgage timelines - should I be worried or not?
Our remortgage application has now been going on for over a month,. Is fairly typical, given that I've seen on another thread that Halifax are supposedly turning round applications in a couple of days? I'm concerned how much of the delay might be down to the broker rather than Halifax, and if consequently we may not be…
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Remortgaging Fees and Transfer of Equity
My current 2.09% fixed with HSBC expires in August 2023 on my 125k mortgage and I have decided to remortgage early and got a offer of a 3.5% 5 year fixed with Lloyd's which I have until the end of Feb to proceed with providing they don't pull it. ERC will be about £700 in January. As my broker couldn't get Lloyd's…
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NatWest Remortgage and Debt Consolidation
Hi there, I have noticed a lot of posts around NatWest applications and delays etc so I thought I would share mine and maybe ask for some advice too. We are looking to remortgage to NatWest with debt consolidation (at 80% LTV). So stressful as this will make us a lot more financially stable but understand it’s not…
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Overpay or save?
Hi, I hope this post is in the right forum -apologies if not. We moved house 12 months ago. At that time we kept back £20,000 so had a slightly lower deposit however LTV was still lower band and we borrowed around £240,000 at 1.09% on 2 year fixed -so we still have one year to go before re-mortgaging. We still have the…
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Would you touch a discount variable rate atm?
Hi all, Know no one has a crystal ball but thought I’d ask in my situation.. I currently have a discounted variable mortgage agreed with Furness at 1.85% (4.44% discount from their variable rate of 6.29%). I have been quite impressed that on the last 2 0.5% BOE interest rate rises they have only increased their variable…
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Application process aborted by bank but product not withdrawn
Lloyds bank confirmed the availability of a fixed rate deal with my daughter on Tuesday and gave her a pin to complete the full application process in an online portal. When accessing the portal it was very clear that the application was for the specific product (we have a screenshot). But despite repeated attempts to…
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Existing Customer Fixed rate Barclays Mortgage deal from August-no reply
Hello, This question relates to a Barclays Mortgage with 7 years left on the term. On the 3rd of August because the existing deal with expiry 31st October 2022 is on a fixed rate, Barclays encouraged an early application for a new deal via a link to their site. This was applied for and an email conformation received. The…
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Remortgage to Nationwide questions
I'm currently with Skipton, my fix ends in June but I'm looking at options with recent new re interest rates. I have a DIP from Nationwide (pre the rise a couple of days ago), done online. - have I reserved a product ? I thought I had but spoke to helpline and they thought it didn't reserve rates- what happens if the value…
