Need urgent advice regarding mortgage product

KTF

Why not go to a fees free broker and see what they can offer you. Nothing to lose by getting them to check than just sticking with the Halifax.

betmunch

The_J wrote: »

Sorry wrong thread. I thought this was "How do I tell if my neighbour is a !!!!!phile"

edit: WHAT?! !!!!! is an offensive word?!

Good job theres no !!!!!philes in S!!!!horpe really there would be exclamation marks all over the place!

hope4debtfree

Thanks guys. I might have been misunderstood..there are no fees to pay...only solicitor

hope4debtfree

hi guys, thanks for helping. We were at the consultation yesterday and they have given us a written offer instantly (hopefully they shouldn't come back regarding any employment issues).

In the end i have gone for the 2yr 4.09% (no fees). The 3yr is 4.39%, but a fee of £995. I'll take a chance on the 2yrs and hope that the rates don't fly high.

Since we've gone with halifax, they said:-

1. No Solicitor fees (other than for adding my name to deeds)
2. No Higher Lending charges
3. £245 - MAF001 - a fixed rate of nil until the end of the term
4. Free valuation (Already done!)

They said other than a slight delay in adding name to deeds, it should not take more than 3-4 weeks to do the whole process.

The valuation was done almost instantly via the web, so i don't think they need to do another survey, right?