Which morgage?

D666G

Hello, I've just had an offer accepted on a house!

I have a 10% deposit maybe 15% and i'm trying to find a good deal

We got our agreement ok'd last month when a 90% mortgage was 6.09 now it is 6.29
the weird thing is if we go for the 15% deal we have to pay £2300 arrangement fee which is ridiculous

Is there any better rates around for me or places I should look?

koexelek

C & G offer a 5.69% fixed at 85% with £1094 of arrangement fees

D666G

They didn't mention that one, Is this rate still available as they seem to change so quickly at the moment.
we've been looking at their 90% Mortgage and think we might be going for that as not sure if we can stretch to 85% or not just yet
We saw a post office one which looked good but will a broker offer these from PO?

Mapson_2

D666G, I just posted this in another thread

Mapson wrote:

Look at 90% fixed rates by using the FSA website - http://www.fsa.gov.uk/tables/ then click on compare mortgages. At the time of this post they list the following offering 90% LTV mortgages

Teachers Building Society
Post Office Ltd
Clydesdale Bank
Yorkshire Bank
Cheltenham & Gloucester
NatWest
Royal Bank of Scotland
First Active
HSBC
Abbey
Halifax

Rates range from 5.69% (Teacher's Building Society) to 7.49% (Halifax)

D666G

thanks for that!

D666G

post office one seems to be the best, Can this be taken out through a Broker or just through PO?
Speaking to a broker tomorrow so we'll see

koexelek

D666G wrote: »

post office one seems to be the best, Can this be taken out through a Broker or just through PO?
Speaking to a broker tomorrow so we'll see

Just through P O

niamh80

D666G wrote: »

Hello, I've just had an offer accepted on a house!

I have a 10% deposit maybe 15% and i'm trying to find a good deal

We got our agreement ok'd last month when a 90% mortgage was 6.09 now it is 6.29
the weird thing is if we go for the 15% deal we have to pay £2300 arrangement fee which is ridiculous

Is there any better rates around for me or places I should look?

If I was you I'd go and see an IFA - they won't charge you for their time but have access to the vast majority of mortgage deals. An hour with them will save you a huge amount of time in the long run

jimbugalee

My boyfriend and I have just applied for a PO mortgage and it was by far the best for 10% or 15%. See this post:

http://forums.moneysavingexpert.com/showthread.html?t=1501887