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.

best re-mortgage deal?

james3333
james3333 Posts: 752 Forumite
in Mortgages & endowments
Hi all,
i have been with the halifax now for 10 years with my mortgage, however i have never had the best rate and i have been 'lazy' really when it comes to switching.
i owe 70k (house worth 140k) at the moment and my deal runs out at end of may 2014. currently im paying 4.39% and would like to get a better deal when i renew, who would i be best going with?

any suggestions

thanks

Comments

  • kingstreet
    kingstreet Posts: 38,938 Forumite
    Part of the Furniture Cashback Cashier I've helped Parliament First Post
    Ask Halifax what "product transfer" options you have and research the market for the type of product you'd like if you do remortgage.

    Failing that, appoint a whole market broker to research, advise and arrange for you.
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
  • amnblog
    amnblog Posts: 12,577 Forumite
    Part of the Furniture I've helped Parliament First Post Photogenic
    You can probably save up to £120 a month if you get a broker to sort this for you.

    That is equivalent to a £1,800 pay rise.

    A good reason not to be lazy.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, 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.
  • james3333
    james3333 Posts: 752 Forumite
    edited 16 January 2014 at 1:45PM
    amnblog wrote: »
    You can probably save up to £120 a month if you get a broker to sort this for you.

    That is equivalent to a £1,800 pay rise.

    A good reason not to be lazy.

    thanks, whats the best way to sort a broker? and do they take a 'lump' out of what i save?

    edit : Looks like i can get a deal with RBS OR NATWEST @ 3.19%!!! for 5 year fixed......... awesome..........
    how difficult is it to switch? will i incur costs? will i have to get a valuation of my house? etc?
    thanks
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 346.1K Banking & Borrowing
  • 251.1K Reduce Debt & Boost Income
  • 451.1K Spending & Discounts
  • 238.1K Work, Benefits & Business
  • 613.2K Mortgages, Homes & Bills
  • 174.5K Life & Family
  • 251.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture