Your Mortgage Deals - The Big List

mrweetabix

Hi - Thought I would try and build a definite list of what peoples current mortgage deals. No waffle all you can list is (my answers are next)

Type of Mortgage: Standard Variable Rate
End of Product: N/A
Interest Rate: 4.99%
Latest House Valuation: £150,000
Current Mortgage: £137,500
Years Left: 22 years.

Look forward to see what we are all on!

cake21

Type of Mortgage: Discount Variable Rate
End of Product: May 2010
Interest Rate: 2.99%
Latest House Valuation: ?? £110k based on recent sales in the area :eek:
Current Mortgage: £144k
Years Left: 22.5 years.
Lender: Co-operative

(I think your thread is incredibly nosey, but so am I so added more info sorry for the waffle )

mrweetabix

not trying to be nosey - just trying to give people a view. what are people paying? have i a good deal? if i try what can i get?

If we dont share we cant get better value

Wutang_2

mrweetabix wrote: »

not trying to be nosey - just trying to give people a view. what are people paying? have i a good deal? if i try what can i get?

If we dont share we cant get better value

I don't get it...

Why arent you asking about ERCs? And how can people compare, this has nothing to do with 'what can i get?'.

Mozette

Type of Mortgage: Nationwide Base Mortgage Rate (2% above BOE rate)
End of Product: N/A
Interest Rate: currently 2.5%
Latest House Valuation: none, guess about £185,000 ish
Current Mortgage: c£50,000
Years Left: over 9, under 10

opinions4u

mrweetabix wrote: »

If we dont share we cant get better value

Come off it.

Most are capable of identifying cheapest deals via sites like www.moneyfacts.co.uk.

Most are capable of visiting a whole of market broker to get advice on where they should borrow from.

While it is possibly of interest, your thread is not the sole source of identifying best value in the mortgage market.

Indeed, it is likely to establish what good value used to look like and isn't now available to new customers.

sammyjammy

Type of Mortgage: 3YR FIX
End of Product: NOV 2012
Interest Rate: 4.69%
Latest House Valuation: £110,000 (at a guess)
Current Mortgage: £58,181
Years Left: 9yrs

loopy-juice

Type of Mortgage: Nationwide Base Mortgage Rate (2% above BOE rate)
End of Product: N/A
Interest Rate: currently 2.5%
Latest House Valuation: £250,000
Current Mortgage: c£51,000
Years Left: 3
Payment per month £106

joolley

Type of Mortgage: Woolwich offset tracker (0.99% above BBBR)
End of product: Term
Interest rate: 1.49%
Latest house valuation : £295 000 (in process of selling and valued 5 weeks ago for Home Report-Scotland)
Current Mortgage: £150 000
Years left: Dunno. Should be 18 but with overpayments and offsetting, last statement says 8.

benjo

opinions4u wrote: »

Come off it.

Most are capable of identifying cheapest deals via sites like www.moneyfacts.co.uk.

Most are capable of visiting a whole of market broker to get advice on where they should borrow from.

While it is possibly of interest, your thread is not the sole source of identifying best value in the mortgage market.

Indeed, it is likely to establish what good value used to look like and isn't now available to new customers.

Opinions4u called it right - how will details of a deal I got earlier this year help anyone find a good deal now? The deal I got isnt available now, hasnt been for many months, so it is essentially irrelevant. That said

4.49% fixed for 5 years, 60% LTV when I bought in April of this year - who knows what it is worth now, been making overpayments so I would 'guestimate' my LTV now is somewhere in the region of 55% ish.

Jock_Tight

Type of Mortgage: RBS Offset
End of Product: N/A
Interest Rate: 3.9% (0% for us as we offset by 100%)
Latest House Valuation: £130,000
Current Mortgage: £39,521
Years Left: 3 years