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Best 5 year fixed rate at present?
smcqis
Posts: 862 Forumite
As above, for a 60% LTV
i tried comparison sites but the best i see is nationwides 4.39% which is not on these sites
i tried comparison sites but the best i see is nationwides 4.39% which is not on these sites
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Yep, the nationwide one you've found is that best I've found, and by a fairly big margin. Although I'm looking at 65% LTV so there might be something else out there for 60%. Was up at 4.79% a week or so ago so it's only recently dropped.0
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FTB? Sub Purchase? BTL? Remortgage?
Size of mortgage? Under £130k, fee-free with higher rate may be better!I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
kingstreet wrote: »FTB? Sub Purchase? BTL? Remortgage?
Size of mortgage? Under £130k, fee-free with higher rate may be better!
FTB, approx 80k mortgage0 -
I have found First Direct consistently have very competitive rates provided you have a good deposit. They just put their application fee up from £99 to £199 but that is still cheap in comparison to many, no completion fee either.
Current FD rates are 4.59% on a 65% LTV with £199 fee. Current Nationwide are 4.39% (£400 fee) or 4.59% (no fee). However I believe Nationwide are very selective. I've not seen anything better over 5 years but would be interested to hear if others have?0 -
As expected, 4.39% is the lowest 5 year fix, with Nationwide. £499 fee for FTB. 4.59% is fee-free option, also with Nationwide.
Can't see anything else now.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
We've just put in our application with First Direct for 4.29%, 5 year fixed....much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0
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That must be new. It hasn't appeared on my sourcing system yet. I'm up to date as of yesterday.neverdespairgirl wrote: »We've just put in our application with First Direct for 4.29%, 5 year fixed.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
There are 10 types of people in this world. Those who understand binary and those that don't.0
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that deal is not available today as i seen my broker who updated all his deals this morning and nationwide where the best0
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Looking on last night's update, it's still 4.59%. The only fix I can see for 4.29% is over two years.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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