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Two year fixed rate ending 28/02/07 Advice needed Please.

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Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    well in theory you can apply whenever you want to for a new deal (with a different lender that is) as long as the formal mortgage offer letter is valid long enough to take you up until your current deal expires

    Some are valid for 3 months and some for 6 months, and new build offer letters are valid for 12 months with some lenders.

    HTH
    I am a Mortgage Adviser
    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.
  • Forreal
    Forreal Posts: 117 Forumite
    Wow, thanks for the advice!
    The best things in life are free.....or at least discounted!!!
  • forumuser_3
    forumuser_3 Posts: 16 Forumite
    Do you think the HSBC offer will end tonight? Due to the interest rate going up to 5.25%. Hope not I have my appointment there with a mortgage advisor tommorrow.
  • greigc
    greigc Posts: 29 Forumite
    Theres a deal for 5 years fixed at 5.09% on charcol through cheltenham ad gloucester. You have to go through charcol to get this deal though.

    Also a deal for 4.98% over 10years through msn money, which I am looking at. The mortgage is portable, but it does tie you for 10 years. All legal fees, survey fees are included, there is a fee of £699 (i think, might be £599) which they will add to your mortgage. If you want this deal, act fast as i was told it ended yesterday, but they would put it through for me today, as long as the form was in by tuesday!
  • KTF
    KTF Posts: 4,855 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If you want a copy of my spreadsheet to compare the deals then let me know.
  • greigc
    greigc Posts: 29 Forumite
    That would be good thanks!
    KTF wrote:
    If you want a copy of my spreadsheet to compare the deals then let me know.
  • forumuser_3
    forumuser_3 Posts: 16 Forumite
    HSBC had sold out of the 5 year fixed rate mortgages at 5.17% (all fees paid) on Friday when I visited they now have the same deal but at 5.5%. Has anyone seen anything similar with a better rate?
  • KTF
    KTF Posts: 4,855 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    greigc wrote:
    That would be good thanks!
    Send me a PM with an email address and I will send it through!
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