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Poor APR offer - worth trying elsewhere?
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Have you tried your bank and any 'pre-approved' offers you may have, which generally don't leave a footprint on your credit file?0
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It will be quota not your credit history, there is no such thing as a credit score.
Banks only have to offer a certain percentage of the headline rate in deals and then revert back to other rates.
I have always found M&S OK to deal with and the rate reasonable.Baby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
Currently Negotiating with HMRC !0 -
By way of update I had another look and was offered 7.3% by Nationwide but then 2.8% by Cahoot/Santander. Quite a big difference but it's worked out well in the end. Maybe because my current account is Santander, although my mortgage is nationwide.0
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