Question Re Mortgage Interest Rate

ScubaCollie

davidmcn said:

ScubaCollie said:

I assumed that's what this forum was for.....to help and assist others, without sarcastic one line responses

Like "Think you're on the wrong forum fella"?

David, don't try and be another smart !!!!!!, if somebody responds like a !!!!!! to me then i shall respond back accordingly. 

ScubaCollie

Thrugelmir said:

ScubaCollie said:

Guys, be a little more considerate to others, just because one person is able to find something on 'the Internet' doesn't mean that everybody finds things as easy to do.
I assumed that's what this forum was for.....to help and assist others, without sarcastic one line responses, from your posts above, I was obviously wrong to assume.... 

You'll be surprised how many people aren't aware of what's available or where to find it. Posters can only respond to what gets asked and what information gets given. Often it's akin to pulling teeth. There's forum members on here who'll happily crunch numbers. 

Absolutely, I had already tried to find the information online hence my post on here, only to be met with sarcastic and unhelpful responses. 

Thank you to all those who have had the decency to respond appropriately, I shall take a look this evening to see if I can find anything more.

The problem I have is I need to try and find this information now, to be able to make plans and decisions now, instead of waiting until the end of the Summer, when I will be running out of time to take the appropriate action.

Thanjs again all to those who responded nicely 😊

ScubaCollie

Deleted_User said:

Depending when you took your santander mortgage you will go to either a Follow on Rate, or a Standard Variable Rate.  I can only see the Follow on Rate on my product guides so im not sure what the SVR is with them .  4.34% comes up on google so if its that then your interest only payment on a £170k debt will be £614/m

Their existing customer rates are bespoke so can only see whats available by logging in to their portal and checking.   The product fee will usually be either £0, £499, £999, or £1499 depending on what rate you want

Thank you for your post, exactly the type of response I was looking for, thank you again 😊👍

Thrugelmir

ScubaCollie said:

Thrugelmir said:

ScubaCollie said:

Guys, be a little more considerate to others, just because one person is able to find something on 'the Internet' doesn't mean that everybody finds things as easy to do.
I assumed that's what this forum was for.....to help and assist others, without sarcastic one line responses, from your posts above, I was obviously wrong to assume.... 

You'll be surprised how many people aren't aware of what's available or where to find it. Posters can only respond to what gets asked and what information gets given. Often it's akin to pulling teeth. There's forum members on here who'll happily crunch numbers. 

The problem I have is I need to try and find this information now, to be able to make plans and decisions now, instead of waiting until the end of the Summer, when I will be running out of time to take the appropriate action.

Too early to predict what products your lender will offer you. Doubt they know themselves. 

csgohan4

Generally can only apply 3 or so months before your rate finishes. Products change all the time. But you can get a ball park figure from the best buy tables. Some lenders even allow 6 months before. But I used a broker and went from there and they ddi all the leg work and didn't need contact or phone calls to the lender during week