ANY BROKERS HELP? IM SWITHCHING WITH NATIONWIDE COULD U GET A BETTER DEAL 1.39 FIX FOR 5YRS FEE £999

Greatknieghton1

Hi All, 
I am looking to switch product with nationwide and the best they offer is as above 5 yr fixed 1.39% £999 fee, i was just wondering with brokers access to different products could they possibly offer a better deal of any kind. 
Thanks very much in advance 

ria28

I need to renew my mortgage in June is this a good time to look.

JustJane101

It would be difficult for any brokers here to give you a blind figure by what you have told them.

What is your LTV, what is your income, job security, other debts, credit history, anyone else on the mortgage, anything else that may help/ hinder you.

Maybe your best option is to go speak to a local broker?

haras_n0sirrah

realistically we would need to know
income, outgoings, loan to value to have any chance of knowing

Thrugelmir

Switching to a new lender may cost you that £999 product fee. Costs can mount up. 
Is that NW product the most suitable for you? 

EverythingIWant

Better than 1.39? Practically free! 

JustJane101

EverythingIWant said:

Better than 1.39? Practically free! 

My other half got offered 0.89%!!

Greatknieghton1

Thanks, my loan to value is 47% there is myself and my partner on the mortgage.We both have excellent credit rating although I was under the impression that staying with the same lender and just switching products we would not be required to go through the affordability checks again.
Thanks everyone

ACG

This is a forum for people looking for help and advice on applying or preparing for a mortgage. 
If you want a broker to look into it for you, you need to speak to them and let them collect the information needed. We can all find the cheapest deal, doesnt mean you will get it nor does it mean you would want to apply to them. 

Thrugelmir

Greatknieghton1 said:

Thanks, my loan to value is 47% there is myself and my partner on the mortgage.We both have excellent credit rating although I was under the impression that staying with the same lender and just switching products we would not be required to go through the affordability checks again.
Thanks everyone

Applying online you won't.
Remortgaging to another lender could cost you a £1k in fees. 
How much do you owe on the mortgage? 

Greatknieghton1

Thrugelmir said:

Greatknieghton1 said:

Thanks, my loan to value is 47% there is myself and my partner on the mortgage.We both have excellent credit rating although I was under the impression that staying with the same lender and just switching products we would not be required to go through the affordability checks again.
Thanks everyone

Applying online you won't.
Remortgaging to another lender could cost you a £1k in fees. 
How much do you owe on the mortgage? 

hi, Owe 140k house value £300k. Thanks