cheapest re morgage

payless

1 year variable discount, flex but not offset ( £499 arr fee) not sure it available direct.

jamesd

hi123, see flexible mortgage option at their intermediaries page and their consumers pages for it. Note that it's pretty much just a regular flexible mortgage, unless you exercise the option to switch to the full One Account. So lots of competition out there for it.

hi123

thanks jamesd
the flexible one mortgage talks about offset without giving the details ,will have to check

save-a-lot

Hi

Remortgaged this year to a 10 year fixed @ 4.67% with the Woolwich on a £74,000 balance with a term of 19 years, and they allow 5% of the balance as overpayments every year. Not in the position as yet but when money becomes more available (wife has just got a job) we can overpay the maximum and find a savings account/top up our ISA's paying more interest than the mortgage rate for the term of this deal. Then the plan is to remortgage for the last few years into a mortgage with no restriction on overpayments, this way the lump sum we've saved can come straight off.

andrew28

Many thanks for all your in put i will be checking all these ideas out

Regards
Andrew28

Moncs_2

save-a-lot wrote:

Hi

Remortgaged this year to a 10 year fixed @ 4.67% with the Woolwich on a £74,000 balance with a term of 19 years, and they allow 5% of the balance as overpayments every year. Not in the position as yet but when money becomes more available (wife has just got a job) we can overpay the maximum and find a savings account/top up our ISA's paying more interest than the mortgage rate for the term of this deal. Then the plan is to remortgage for the last few years into a mortgage with no restriction on overpayments, this way the lump sum we've saved can come straight off.

Hi mate, Im looking at remortgaging to the woolwich as well, deal they offer me for a 10yr fixed is 4.98%, how did you get the 4.67%?