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2.39% 5 year fix First Direct, cheapest in UK, or stay on my 2.39% tracker?
pault123
Posts: 1,111 Forumite
http://www.theguardian.com/money/2015/jan/02/mortgage-price-war-starts-banks-cheap-ixed-rate-deal
Currently with HSBC on 2.39% lifetime tracker, worth moving to the 5 year fix as rate increases seem inevitable over the next 5 years...
Currently with HSBC on 2.39% lifetime tracker, worth moving to the 5 year fix as rate increases seem inevitable over the next 5 years...
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Comments
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Are The Guardian now regulated to give mortgage advice?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.0 -
There is a fee on this mortgage - a very very large fee! Do the maths yourself if you can, or go and see a mortgage broker.0
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Pretty good mortgage but I just put my figures in and for a 140k mortgage it isnt actually the cheapest for me. Due to the large fee. If you are borrowing even less then it becomes less attractive.0
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hounslowfish wrote: »There is a fee on this mortgage - a very very large fee! Do the maths yourself if you can, or go and see a mortgage broker.
You pay the fee for every £400,000 of lending or part thereof.
The Guardian forgot to mention that bit.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.0 -
I said it before many times now , FEES play a LARGE part in mortgages for me !! don't just look at the rate , look at the fees that usually get dumped on top of your loan.
As for mortgage advisors, I myself have never used one,0
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