Is 3.99% 5 year fix the lowest it will go ??

dentonemma

Hi,

I had no problem with the valuation, was a drive passed I also asked for the valuation figure and was told it was policy not to disclose, anyone know why?

I to am waiting for confirmation of 3.99% 5 years fixed no fees, should be next couple of days. Will chase up next week.

So far completed questions from solictor & valuation done.

damianmkv_2

maybe they think you don't need to know, as long as it meets their criteria ? You can always get an estate agent round if you're curious...

cbrpaul

dentonemma wrote: »

I to am waiting for confirmation of 3.99% 5 years fixed no fees, should be next couple of days. Will chase up next week.

.

I would call them and ask for it to be faxed to you , they do it while your on the phone , its that quick !!!

Palm_Centro

Ive just had the £430 valuation go from my account !

SONYERIC630

anyone aware of cheaper 5 yr fixes . rule of thumb seems to be + .5% and 999 pounds fees. guess we were lucky

Dithering_Dad

I'd also be interested in news of other fixed deals. I am stuck in my current mortgage deal for a while and so I missed out on the A&L deal (much to my annoyance). It'd be great if people continued to update this thread with any great deals they can find - if nothing else it'll provide a good indication of where the market is going.

cbrpaul

current deals ive found

http://www.thechelsea.co.uk/mortgages/nb_product_intro.html#fixed

http://www.mortgages.co.uk/mortgage-lenders/Post-Office/Post-Office.html

..and this one 3.99% 4 year fixed £999 fee , but 60% ltv

http://www.principality.co.uk/default.aspx?page=1

adandem

dentonemma wrote: »

Hi,

I had no problem with the valuation, was a drive passed I also asked for the valuation figure and was told it was policy not to disclose, anyone know why?

.

We had an internal valuation, even the valuer was unsure why as our LTV is quite low, his next client was a drive by with a much higher LTV.

I don't think they'll disclose as they're paying

Mudbath

Well fingers crossed our a&l 3.99% is going through today. It was supposed to happen on Wednesday but they tried to close the mortgage account which is also our current account so we had to halt it, they were then going to do it yesterday but they said that we'd borrowed insufficient funds and had to send them a cheque for £100 to make up the small fall. We went through the figures and they realised we had borrowed enought....so, let's see what today brings!!! It's either champagne tonight (ok, Lidl budget plonk - very nice too) or lots more phone calls!

bazzab

We managed to get the 5 year fix of 3.99% @ HSBC with £999 fees the day before it was pulled. Just sent the application information and payslips etc. back, so hopefully it will get there before Monday's deadline for this rate.

Although the fees are £999, there are no other fees to pay as HSBC cover everything else including valuation. I don't mind paying the fee's as other rates at the moment are a lot more and work out more expensive over the 5 years.

With this rate, we can knock the mortgage term down by 3 years from 21 to 18 years, and still pay around £50 less per month. With the ability to overpay by upto 20% per month, we could conceivably knock another year and a bit of the full term.

Will be pleased with the piece of mind if it comes off!