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HSBC or Barclays for a Tracker?
IAMIAM
Posts: 1,424 Forumite
Which is the better lender....literally about to apply for my remortgage, Barclays are 0.1% difference/cheaper in reality, but is HSBC the better lender to go with?
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If you are going to do it yourself then YBS are offering a cheaper one still but it does have erc of 1% i think. Out of hsbc and barclays i would go with hsbc as they are on a 1 day turnaround currently and tend to desktop val everything they can.1
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I am going to do HSBC. If a product becomes cheaper over the next 6 months, can I go into the mortgage offer online, and change the product myself to generate a new offer? Is this new offer valid for 6 months again or is it 6 months when first offer is given regardless of product changes....0
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Not sure about direct. Brokers cant change it on the system once submitted. We have to upload a form.
Any changes result in a fresh 6 month offer from date of new offerI am a Mortgage Adviser
You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Ybs doesn't have free legals so once you factor that in, Barclays is probably cheaperJMA74 said:If you are going to do it yourself then YBS are offering a cheaper one still but it does have erc of 1% i think. Out of hsbc and barclays i would go with hsbc as they are on a 1 day turnaround currently and tend to desktop val everything they can.1 -
Absolutely. Only concern I have YBS and Barclays are a nightmare, everything is always advice based with clunky self servicehousebuyer143 said:
Ybs doesn't have free legals so once you factor that in, Barclays is probably cheaperJMA74 said:If you are going to do it yourself then YBS are offering a cheaper one still but it does have erc of 1% i think. Out of hsbc and barclays i would go with hsbc as they are on a 1 day turnaround currently and tend to desktop val everything they can.
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