Best Mortgages

LAThomas

Looking for some advice.......

Currently on a 90% Mortgage (£185K) with the Halifax but on a really high rate (About 7.3%), as you would expect, and the house is still considered a new build until September.

Is there anyone currently offering a better rate or anything in the future I can do to get this down??

black_taxi_2

try this site bud

http://www.moneymadeclear.fsa.gov.uk/hubs/home_mortgages.html

luckyfool

eh.... when your deal ends you will go onto Halifax SVR (currently 3.5%). If your ltv when the deal expires is over 90% but under 120% then you should be able to get a new deal from Halifax (currently starting at around 5.19% for a 2 yr fixed rate) assuming their criteria and products are as they are now. A broker or Halifax direct should be able to help out.

Assuming you are tied in just now, and are actually at 90% or higher I can't see how remortgage to a new lender and paying penalties is going to be feasible or indeed sensible.