Vrigin money mortgages

[Deleted User]

Hi

My current fixed deal with virgin money is coming to an end and I'm about to revert to their SVR of 4.79%.

Trying to decide what to do next - I was a first time buyer at the time.

If I stay with virgin money and choose another deal I won't pay lots of fees, house valuation etc. - this is quite tempting but I'm not sure how competitive their mortgages are. I've listed what I was offered below - grate full if someone would cast an opinion

2 Year Everyday Fixed
Rate3.75%Fixed until 1 Sep 2016
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.6% APR
Product fee£995
Early Repayment ChargeYes
Monthly payments£394

2 Year Everyday Fixed
Rate3.99%Fixed until 1 Sep 2016
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.6% APR
Product feeNone
Early Repayment ChargeYes
Monthly payments£397

3 Year Everyday Fixed
Rate3.85%Fixed until 1 Sep 2017
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.6% APR
Product fee£995
Early Repayment ChargeYes
Monthly payments£397

3 Year Everyday Fixed
Rate4.38%Fixed until 1 Sep 2017
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.7% APR
Product feeNone
Early Repayment ChargeYes
Monthly payments£411

5 Year Everyday Fixed
Rate4.54%Fixed until 1 Sep 2019
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.7% APR
Product fee£995
Early Repayment ChargeYes
Monthly payments£423

5 Year Everyday Fixed
Rate4.85%Fixed until 1 Sep 2019
Followed by our Standard Variable Rate4.79%
The overall cost for comparison is4.8% APR
Product feeNone
Early Repayment ChargeYes
Monthly payments£429

marginex

Hi,

Im just got a 3 year fixed mortgage with Virgin, can I ask have they offered these new deals to you without going through the whole process again? Meaning have had to prove income etc again?

Thanks (Sorry to ask an off topic question)

d70cw6

why dont you plop your ltv details into a comparison site?

amnblog

you wont pay valuation fees to re-mortgage elsewhere anyway in the majority of cases

Penelopa.Pitstop

You can check estimated value of your property at Zoopla or at Nationwide calc: http://www.nationwide.co.uk/about/house-price-index/house-price-calculator It will give you some idea, how bank can value your property.

Thrugelmir

What's the outstanding balance on your mortgage? As the product fee charged can help with filtering the choices down.