We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Which member has the best mortgage rate?
Comments
-
I thought Woolwich lowest was base+0.17% for lifetime trackers?
I gave up mine when I moved in 2009 as their customer service was so appalling. Now fixed at 4.49% but with offset and fantastic customer service at a little building society.Mortgage Free thanks to ill-health retirement0 -
Looks life I'm in the lead at the moment - base + 0.19% so 0.69%! Interest only!!
As "Let us see" says: "What a smug, boring and pointless post" - But boy do I feel smug!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.0 -
I am on a base rate tracker and pay 4.74% - but I seem to be paying more interest over paying off the loan... In 7 years, only 1k a year has been deducted of the loan value yet I have paid over 6k a year for the last 7 years. It doesn't make sense to me at all.0
-
Some very good rates for some of you...me, well just about to start a 5 year fixed at 5.19%! :embarasse0
-
Let_Us_See wrote: »What a smug, boring and pointless post. certainly will be a "small" survey.
We did overpay for our houses though.0 -
I have a 2.49% lifetime tracker. Could be better, but I'm very happy with it considering a co-worker is stuck on just over 6% for the next year or so. :eek:marlasinger0
-
Not the best but...Woolwich 2.18 over base...so 2.68 lifetime tracker.
Well pleased and am ready to switch to a long term fix if the 0.5 base looks under threat.
Ive overpayed something like 30k in two years. I know I could have got better rates in an ISA but theres some pleasure in paying off a mortgage.0 -
Looks life I'm in the lead at the moment - base + 0.19% so 0.69%! Interest only!!
As "Let us see" says: "What a smug, boring and pointless post" - But boy do I feel smug!
sorry no beat ya just - 0.68% with the Woolwich here
Dont feel smug at all its not really me and over the years I have also experienced some pretty high interest rates so I guess its a balance
It is making life easier at the end of my term though I have to admitJanuary 2013 - The Start of The Mortgage Free Journey £25,000 and counting down
October 2013 - £22,000
May 2014 - 19,900
Emergency Fund Target 12K - Currently [STRIKE]8K[/STRIKE] [STRIKE]£8500[/STRIKE][STRIKE]£11500[/STRIKE][STRIKE]£10,000[/STRIKE]16,000
Garden Budget - £35000 -
I got a 10 Year fix @ 5.99% in April 2007, it reverts to 1% above base rate in April 2017 just in time for the base rate to go through the roof. The only consolation is that I was thinking at the time of fixing for the rest of the term at 5.99%
I have the reverse Midas touch lol0 -
We've also got a lifetime tracker, details below...ORIGINAL MORTGAGE AMOUNT £106,454.00 (Started Sept 2007)
NOV 2021 O/S AMOUNT £1,694.41 OUR DEBT REDUCED BY £104,759.59 by std regular, over-payments & off-setting.
BofE +0.19% Tracker Repayment Offset Mortgage Discounted Sept 07-10 then increased to BofE +0.62% until 20270
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards