What rates are you on?

liubeliu

3.39% 5 year fix ending April 2017

asandwhen

liubeliu wrote: »

3.39% 5 year fix ending April 2017

co-op / britannia?

Spiggle

Main mortgage repayment 0.69% (base + 0.19%) lifetime tracker just over £38k left.

Second mortgage repayment 1.49% (base + 0.99%) lifetime tracker just over £4.6k outstanding which is fully offset in an ISA paying 4% for 18 months.

I was very lucky to have remortgaged to these products before the crash.

liubeliu

asandwhen wrote: »

co-op / britannia?

Through Britannia via a product switch as was an existing customer.

originator

5.78% 5 year fix ending end of august this year(thank the lord).Will then move on to BMR of 2.5% and the end will be in sight!

rothchick

The Natiowide BMR (2.5%) for majority of my mortgage. About £3k on their SVR( 3.99%), I'm happy with that and overpay monthly

andy1886

asandwhen wrote: »

If your fix rate ends in November I would apply for a new fixed rate (If thats what you want) in around July as an offer lasts at least 4 months. I wouldnt expect fixed rates to change much between now and then so you could be looking at another 5 year fix of less than 4% saving you a fortune.

Offset means you can offset your savings against your mortgage meaning you only pay interest on what is left although you can still get at your savings.

Who is your current lender?

Current lender is Yorkshire Building Society . Did not realise I could start looking as early as July . I thought they would contact me shortly before the end of my fix with a list of deals I could move onto .

giger

I'm currently on BoE +0.9% lifetime tracker. The kick in the teeth is that we will be moving house to live closer to family and my mortgage isn't portable :mad:

Currently trying to make my mind up whether to go with a long term tracker (+2.89% on avg) or try something different.

asandwhen

andy1886 wrote: »

Current lender is Yorkshire Building Society . Did not realise I could start looking as early as July . I thought they would contact me shortly before the end of my fix with a list of deals I could move onto .

You can applyin July if you are changing your lender.

If you want to stick with YBS you dont need to do anything to go onto the Standard veriable rate (SVR) which is currently 4.99% this is veriable and likely to rise in the not too distant future.
You can ask them for another fix. At the momennt they offer existing customers with your LTV (Loan to value) a 5 year fix of 4.09%.

There are better deals out there with other lenders though so if you are in the possition to move I would.

Caleb11

4.69% fixed until may 2014