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Am i being thick here
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thelakes19 wrote: »Over 5 years buddy. Getting stitch-up on break fees as well. Halifax are 400 cheaper on the arrangement fee
This is funny. I'm in exactly the same situation as you. I'm remortgaging for 5 years and have break fees I'm going to have to pay.
If you're happy to do the application yourself, and you have a fairly straightforward property and income to underwrite (i.e. you own the house, not listed and you're employed with stable income), then you should try Santander's online exclusive at 1.89%
https://www.santander.co.uk/info/mortgages/compare-our-mortgages
If you have a 123 account you'll save an additional £10 a month through cashback. Comes with a £999 fee, free legals and standard val. Only major drawback is that it has a 5% ERC throughout the 5 years (which is ridiculous).
If Halifax have a cheaper fee and a lower rate, why are you asking the question?!Current Debt (excluding mortgage) - £7,020
Reducing £450/ month.0
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