50% Mortgage

andrewmp

You can get a 10 year fix at Scarborough building society, under 6% too with your LTV.

_Andy_

Jonbvn wrote: »

Generally speaking, on such a relatively small mortgage I cannot see the rationale for going onto another fixed rate, since the fees will generally far outweigh any other benefits you may gain.

I am sorry but I think some "advisers" may be getting rather desperate......

Many clients, especially in an uncertain market, will want the stability and peace of mind of a fixed rate. Regarding fees, as I mentioned earlier, NW do have fixeds available with no fee for existing clients.

Regarding advisers getting desperate, I don't believe anyone on this thread is touting for business, merely trying to help the OP out.

davidscot

Gloster_Advise wrote: »

davidscot

personally i haggled with C&G about 3 months back, i wasn't with them at the time. they reduced my arr fee by £500 to get the business.

whether or not you are looking early is not for me to say but do you really have all this time to scour all lenders to find the best deal yourself? I think not unless you are unemployed, self employed with little work or an insomniac.

Dont really know what you are trying to get at here Gloster, im only trying to get myself the best deal around and if that means doing some legwork-pardon the pun- then thats what it takes.

Conrad

davidscot wrote: »

Dont really know what you are trying to get at here Gloster, im only trying to get myself the best deal around and if that means doing some legwork-pardon the pun- then thats what it takes.

Well said.

I'm not sure why Gloster made that comment, afterall it takes a bit of leg work to find a holiday, car or new loft insulation.

I've long argued advisers are only here for the difficult cases.
Also are you aware you may get a better deal direct with some lenders?

I like The One Account and First Direct

wymondham

Conrad wrote: »

I like The One Account and First Direct

I don't think I've ever seen a mortgage advisor say they like the One Account .. are times changing ?

TighterThanTwoCoatsOfPain

andrewmp wrote: »

You can get a 10 year fix at Scarborough building society, under 6% too with your LTV.

not that it makes any odds to me, but this isnt something available on their website...

Is it a broker only thing or an existing customer retention deal?

andrewmp

TighterThanTwoCoatsOfPain wrote: »

not that it makes any odds to me, but this isnt something available on their website...

Is it a broker only thing or an existing customer retention deal?

It is on their website.

http://www.scarboroughbs.co.uk/mortgages/limited_edition_mortgages.html#fix

5.99% 25 year fix (free get out at 10)