2yr tracker @ 6.09 (90% LTV)

manikm

lol well its a stupidly named product then

dave461_2

No lock in at all, means you never go up to a higher standard rate or pay another arrangement fee.
You can change to someone else after 2 days or 2 years if you can find a better deal.
At the start of the year nationwide trackers were +0.34% for me, now they're +1.43% for 90% LTV.
Doubt im gonna find a better deal for a few years yet

bengee1977

dave461 wrote: »

No lock in at all, means you never go up to a higher standard rate or pay another arrangement fee.
You can change to someone else after 2 days or 2 years if you can find a better deal.
At the start of the year nationwide trackers were +0.34% for me, now they're +1.43% for 90% LTV.
Doubt im gonna find a better deal for a few years yet

Some banks have a minimum period, like Halifax's life tracker keeps you locked in for 1 year, then free to leave. They did used to allow you to leave immediately.

Heyman_2

At 90% LTV you are stuck for options at the moment, but HSBC are definitely your friend as others have said here!

They've changed their deals recently - you should be able to get a 5.69% lifetime tracker with them for a £799 fee , or if you prefer, a 3-year fix at the same rate for the same fee. If you're remortgaging, they pay for the valuation and the legal fees as well!!!

Can't be bad. In fact, it's probably the best deal out there for your LTV at the moment. Also check out First Direct, as if memory serves they will allow you to go on their Tracker products or SVR (6% I think) at 90% LTV. Also West Bromwich BS and Yorkshire have some good deals on as well.

It pays to shop around a bit yourself, and not listen to some of the doom mongers on here who will practically tell you that you're going to be homeless because this huge housing crash is going to kill us all...

Locoblade

Yup, FD will allow you on their standard repayment lifetime tracker and SVR offset at 90%, but the offset lifetime tracker and the fixed rate offsets are 80% LTV.

manikm

Heyman wrote: »

At 90% LTV you are stuck for options at the moment, but HSBC are definitely your friend as others have said here!

They've changed their deals recently - you should be able to get a 5.69% lifetime tracker with them for a £799 fee , or if you prefer, a 3-year fix at the same rate for the same fee. If you're remortgaging, they pay for the valuation and the legal fees as well!!!

Can't be bad. In fact, it's probably the best deal out there for your LTV at the moment. Also check out First Direct, as if memory serves they will allow you to go on their Tracker products or SVR (6% I think) at 90% LTV. Also West Bromwich BS and Yorkshire have some good deals on as well.

It pays to shop around a bit yourself, and not listen to some of the doom mongers on here who will practically tell you that you're going to be homeless because this huge housing crash is going to kill us all...

Blimey, even tho ive been to the site a few times, ive never realised how good their remortgage deal is!! looks like they only charge if it all goes through ok....

The three year mortgage special looks amazing, 5.69 rate! upto 90% LTV - i just hope the valuation is what i need!