C and G RATES

craftingqueen_2

We are due to have our mortgage review for a new rate.Does anyone have any ideas what if any, deals they have.

jonesMUFCforever

https://www.cheltglos.co.uk should provide you with the info you require.

mhay_3

it may interest you that c&g do exclusive broker rates on 2 and 5yr FF that are quite a bit lower than the rates they offer directly to clients. not sure if they'd still be offer on a simple product transfer, but it's worth checking it out

Rick62

They have great 2 year (I think 4.95%) and 5 year fixed (5.09%) but only through intermediaries and, they tell me, NOT available for existing borrowers doing a product switch.

There are a number of good 2 year and 5 year fixed from a few lenders at the moment, but they are all being pulled or increased at short notice at the moment.

little_miss_6

My deal is due to end at the end of this month with the C and G, I gave them a phone yesterday quoting some deals from the Yorkshire, was offered a deal of 5.09% for five years fixed rate but there is a fee of £999 and is not negitionable (C and G were fairly insistant about it).

Yorkshire also do 5.09% but there is a fee £599 plus valuation and solicitor fees or 5.59% for five years with no fees, the will organise valuation and solicitor with no product fee. You can pay in extra too with no penalties but a maximum of 10 % of your mortgage per year, interest calculated daily. Any overpayments can reduce your term or reduce your monthy payments.

Not to sure which one to go for though.

herbiesjp

Don't forget the £225 ( i think) exit fees you will have to pay C&G

mhay_3

i've quickly emailed my BDM about it to see what she says, and will tell you when she replies.

A cheeky thing you could try if they wont give you the exclusive, is to remortgage to lloyds, who do exactly the same deals as C&G. You'll have to go through a broker, but legal and val fees will be covered, allowing you to take advantage of lower rate deals