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fixed or tracker!!!Help!

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Comments

  • stueyhants
    stueyhants Posts: 589 Forumite
    Part of the Furniture 500 Posts
    cgirl wrote: »
    yes stueyhants its HSBC, what do you think to their customer service and speed of getting the mortgage out?:)

    I applied yesterday and have my paperwork today, so far can't fault them.
  • stueyhants
    stueyhants Posts: 589 Forumite
    Part of the Furniture 500 Posts
    Try this http://www.drcalculator.com/mortgage/

    It is in dollars but just pretend its £ ! I's great to see how little overpayments can reduce the mortgage term by a lot.
  • Gorgeous_George
    Gorgeous_George Posts: 7,964 Forumite
    Part of the Furniture Combo Breaker
    A five year fix at 4.74% isn't bad normally. The £999 product fee makes it slightly less attractive. Over 5 years the average BofE would need to be 2.75% which would be top end of my expectations over 5 years.

    I like trackers (because they are generally fair to borrowers and lenders) and +1.99% with the advantage of never looking for a mortgage again gets my vote - but only if you can afford to take the risk.

    GG
    There are 10 types of people in this world. Those who understand binary and those that don't.
  • cgirl_2
    cgirl_2 Posts: 10 Forumite
    Well it's been 1 week and wehay were approved for a lifetime debt!, well at least the next 30 years...I've read as many goog as bad reviews about HSBC, but in all honesty so far so good, granted i've been on the phone constantly getting updates!
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