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Best 85% LTV over 5year/10year/lifetime deals?

danzx2
danzx2 Posts: 47 Forumite
in Mortgages & endowments
Hi,

Looking to go on to another long deal. Current 5 year is nearly up. Whats currently the best 85% LTV about?

Preferably with no or limited early repayment charges.

Thanks

Dan
As of 21/05/18
M- £138,999 - Repayment - 2.79%

Comments

  • Wh05apk
    Wh05apk Posts: 2,938 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    85% deals are high at the moment, so personally I would look for a short term deal, then revert to SVR, which will probably be less than the deal rate.

    Who are you with now? what is their SVR?
    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.
  • danzx2
    danzx2 Posts: 47 Forumite
    Standard Life, fixed is at 5.49% SVR is 5.54 which will start 24/01/12
    As of 21/05/18
    M- £138,999 - Repayment - 2.79%
  • s_glover
    s_glover Posts: 653 Forumite
    Tenth Anniversary 500 Posts
    HSBC 5 year fixed fee free special 4.69%
  • Wh05apk
    Wh05apk Posts: 2,938 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    danzx2 wrote: »
    Standard Life, fixed is at 5.49% SVR is 5.54 which will start 24/01/12

    Ouch!

    Worth moving, possibly woolwich 2 yr fixed at 3.98% fee free, + £300 cash back, current follow on rate br+3.39%?

    Concern is ltv, are you sure you are/would be 85%?
    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.
  • danzx2
    danzx2 Posts: 47 Forumite
    We are fortunate that my wife's parents will loan us the necessary funds to make it 85%.

    I will take a look at the woolwich deal you mention.

    Thanks for your advice so far.
    As of 21/05/18
    M- £138,999 - Repayment - 2.79%
  • liubeliu
    liubeliu Posts: 311 Forumite
    Britannia 5 year fixed at 4.59% fee free or 4.19% with £999 fee.
  • dimbo61
    dimbo61 Posts: 13,727 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    YBS do two 5 year deals at 4.19% ( fee £995) and 4.39% ( fee £295) if that helps 85% LTV
  • danzx2
    danzx2 Posts: 47 Forumite
    These are all great thanks so far to those that have posted. I'm collating them to work out whats best.

    More welcome.

    Thanks

    Dan
    As of 21/05/18
    M- £138,999 - Repayment - 2.79%
This discussion has been closed.
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