Anyone wants to share Ltv and their interest rates?

FTB21

As per title, just interested in peoples mortgage rates.

Mine is

75% Ltv

1.79% fixed for 5 years

Over 25 yrs

IAMIAM

Haha, expect a barrage of people complaining about you post. But sure...
Currently 80% LTV with First Direct at 1.94%
Was going to join Nationwide, but now probably remaining with FD/HSBC as they have updated their rates to join market leaders again and will probably be in the next few months...
75% LTV at 1.54% for 2 years

Thrugelmir

Whether there's a product fee is a factor too. 

IAMIAM

See what I mean, someone correcting your post again 

Marvel1

Looking at:
1.49% 5 years fixed  - no fee
39% LTV

FTB21

IAMIAM said:

See what I mean, someone correcting your post again 

Oooopss, 😳 just being nosey!

lonibra

1.37%, 60% LTV, 2 year fix, BTL

MFWannabe

1.34% - 5 year fix - 59% ltv 

clueless_but_curious

Great idea OP.
1.8% - 2yr fix (Dec '19) - 90% ltv 

singh001

1.44% - 2 year fixed - 75% LTV

ninjaef

What a great question !

23% LTV 
1.25%  2 year fixed Offset account with YBS as an existing customer.
I am very fortunate to have more in the Offset than is in the mortgage debt. So they are now paying me for the mortgage - effectively . haha

I've had mortgages for over 30 years and change every 2 to 3 years of late. I twice over that time had a 5 year fixed ,  and they were bad deal. I paid way over the going interest rate for years. Since then I only go for 2 year fixed.
At the end of the day these mortgage providers are not stupid. They will have generated - or have access to - a plethora of data and will ensure they maximise profit. They are not in the business of making the home owner comfortable - but rather making a profit.
If I could do it all again I would never have had those two 5 year fixed "deals". 2 year deals seem to be the "sweet spot" where the evaluation of risk versus the customer retention - or loss. In other words it is difficult for the mortgage provider to offer a fixed deal for such a short term that both maximises profit and attracts/retains customers. The 3 and 5 year "deal" customers will end up funding the 2 year "deals"