Fixed rate coming to end

sammyjammy

N_Pars said:

We have decreasing life cover with HSBC also, does anyone know what would happen with this if we were to switch?

No impact on that, just keep paying it, you just happened to have the two products with the same provider and after the move you won't.

N_Pars

Waited for lloyds to phone, nothing. Tried calling them and was on hold for 1hr 20 minutes. Interest rate gone from 3.7 to 5 over night 😩

froomer

N_Pars said:

Waited for lloyds to phone, nothing. Tried calling them and was on hold for 1hr 20 minutes. Interest rate gone from 3.7 to 5 over night 😩

Oh, that's annoying! - I can see numbers of about 4.43 at Lloyds, but that for my LTV and term. Not sure what you're asking to borrow but I would still go ahead and get the 6 months offer. If it drops then don't go with it, if it increases then your protected.

N_Pars

froomer said:

N_Pars said:

Waited for lloyds to phone, nothing. Tried calling them and was on hold for 1hr 20 minutes. Interest rate gone from 3.7 to 5 over night 😩

Oh, that's annoying! - I can see numbers of about 4.43 at Lloyds, but that for my LTV and term. Not sure what you're asking to borrow but I would still go ahead and get the 6 months offer. If it drops then don't go with it, if it increases then your protected.

Hey, we've put an application through with Halifax this morning for 4.46%. Think it's around 56% LTV.

If it drops at any point, can we just apply else where? 

SetantaSuck

I’ve been looking this morning and the best rate I’ve seen is a 5 year fixed. 3.79% (£995) fee. Or 4.05% no fee. NatWest.