Do Halifax match other mortgage providers?

topcat007

Hello all,

sorry for all my questions but trying to find out as much as possible.

Have been a customer with Halifax for over 20 years but their fixed rates suck for what i would like.

Are they likely to match Nationwides market leading 2.94% over 10 years or am i wasting my time?

Also do you get better deals by going in branch compared to online or will they be exactly the same?

Thrugelmir

topcat007 wrote: »

Have been a customer with Halifax for over 20 years but their fixed rates suck for what i would like.

Are they likely to match Nationwides market leading 2.94% over 10 years or am i wasting my time?

There's no negotiation. Not how the mortgage market works.

You must bear in mind that lenders have different criteria. So it's not just a question of choosing the product you want. The lender has to want you as a customer as well. Business is a two way relationship.

Edi81

Rates are set centrally. There is no reward for loyalty - in fact some companies will take advantage of that and will charge you more than they would for a new customer eg insurers, utilities.

amnblog

Rate matching is a nice idea but not one that will gain any traction anytime soon.

topcat007

Thanks for everyone help much appreciated!