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Halifax: Too good to be true?

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Comments

  • ideal_knowledge001
    ideal_knowledge001 Posts: 75 Forumite
    Before anyone says how am I purchasing two properties at the same time and why not just one, the second property is a consessionary purchase where the deposit is being gifted to me by my parents and not all lenders allow gifting like this to work but Nationwide do.
  • Lieutenant_Thrift
    Lieutenant_Thrift Posts: 98 Forumite
    Thanks, have considered NW but they have £499 upfront and there is no significant cash back as I'm aware. This cancels out the 0.25% difference in rates
  • Kt8
    Kt8 Posts: 255 Forumite
    we got ours in april,
    74% LTV
    2.6% FIXED for 2 years
    Valuation was £350-400 i think
    We had a product fee of £999 i think added to loan.
    We complete end august.
    first time buyer
    no hassle and really easy application (which i couldnt believe ..thank god!)
  • ideal_knowledge001
    ideal_knowledge001 Posts: 75 Forumite
    Lieutenant_Thrift wrote: »
    Thanks, have considered NW but they have £499 upfront and there is no significant cash back as I'm aware. This cancels out the 0.25% difference in rates

    Ok apologies I assumed Halifax had a mortgage fee for the rate you quoted
  • Lieutenant_Thrift
    Lieutenant_Thrift Posts: 98 Forumite
    That's Ok. The advisor who I spoke to is off work today and was very insistent that I don't apply online but do it over the phone with him when he's back tomorrow. I feel like doing it online today for the sake of getting things going + not having a long phone call.

    Not sure what to do...
  • ideal_knowledge001
    ideal_knowledge001 Posts: 75 Forumite
    Lieutenant_Thrift wrote: »
    That's Ok. The advisor who I spoke to is off work today and was very insistent that I don't apply online but do it over the phone with him when he's back tomorrow. I feel like doing it online today for the sake of getting things going + not having a long phone call.

    Not sure what to do...

    He gets commission that's why lol.
  • Lieutenant_Thrift
    Lieutenant_Thrift Posts: 98 Forumite
    I asked him if he gets commission but he denied it !!
  • ideal_knowledge001
    ideal_knowledge001 Posts: 75 Forumite
    Lieutenant_Thrift wrote: »
    I asked him if he gets commission but he denied it !!

    They usually have targets and are always commission based from what I know.

    Maybe he thought it was unprofessional to admit it.
  • Lieutenant_Thrift
    Lieutenant_Thrift Posts: 98 Forumite
    Phoning advisor dude tomorrow morning.

    Is it too late to consider offset?
This discussion has been closed.
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