Natwest product transfers

Scotland78

My mortgage deal ends 29th February and I decided to stay with Natwest. 

I selected a new deal at 4.69% to make sure I had the best one at the time for me that was comfortable paying but would keep an eye on them offering anything better nearer the time.  However since I have tied  in the website (I don't have the app) doesn't show me any other options. Does anyone know if the app would show, or if I have to call. Do you need make an appointment to discuss or speak to someone straight away? Thanks 

hufc2002

Can I just ask, was your product transfer offer only valid for 14 days?

I am in a similar situation with Virgin, I have an offer at 4.03% but its only valid for 14 days.  I therefore don't want to accept this if I then can't select a more favourable product further down the line.

amnblog

New rates out today for both NatWest and Virgin, can you both tell me what is your loan to value and mortgage balance?

Let me know and I will tell you today's rate.

Scotland78

Thanks. My LTV is 73% and mortgage balance is £101,800 with Natwest

amnblog

NatWest 5 year fixed with £995 fee is 4.39% today, No fee two year rate is 4.94%. These are rates via a Broker, the direct rates cannot be guaranteed to match.

Scotland78

hufc2002 said:

Can I just ask, was your product transfer offer only valid for 14 days?

I am in a similar situation with Virgin, I have an offer at 4.03% but its only valid for 14 days.  I therefore don't want to accept this if I then can't select a more favourable product further down the line.

No, it's valid until either I cancel it as I find a cheaper one or if I do nothing it kicks in after mortgage deal expires on 29th February.

I've since phoned this afternoon and they did have an option at 4.54%  with £995 fee for 5 year fixed not as good as the above post so will contact my mortgage broker and see what they can do. 

hufc2002

amnblog said:

New rates out today for both NatWest and Virgin, can you both tell me what is your loan to value and mortgage balance?

Let me know and I will tell you today's rate.

LTV is 61.61% with a remaining balance of £147381.

I don't suppose you have the rates at 60% LTV too?

amnblog

hufc2002 said:

amnblog said:

New rates out today for both NatWest and Virgin, can you both tell me what is your loan to value and mortgage balance?

Let me know and I will tell you today's rate.

LTV is 61.61% with a remaining balance of £147381.

I don't suppose you have the rates at 60% LTV too?

We do, but for which lender and what balance?

hufc2002

amnblog said:

hufc2002 said:

amnblog said:

New rates out today for both NatWest and Virgin, can you both tell me what is your loan to value and mortgage balance?

Let me know and I will tell you today's rate.

LTV is 61.61% with a remaining balance of £147381.

I don't suppose you have the rates at 60% LTV too?

We do, but for which lender and what balance?

Virgin - balance of £147381

amnblog

2 year 4.58% £1,495 fee
2 year 4.63%  £  995 fee
2 year 4.89% no fee

3 year 4.53%  £  995 fee
3 year 4.79% no fee

5 year 4.13% £1,495 fee
5 year 4.18%  £  995 fee
5 year 4.37% no fee

as of Friday last

hufc2002

amnblog said:

2 year 4.58% £1,495 fee
2 year 4.63%  £  995 fee
2 year 4.89% no fee

3 year 4.53%  £  995 fee
3 year 4.79% no fee

5 year 4.13% £1,495 fee
5 year 4.18%  £  995 fee
5 year 4.37% no fee

as of Friday last

Are these at 60% LTV?

Our current LTV based on Virgins valuation of our property is about 61.5%.  I have submitted a product transfer for a 5 year fix with a £995 fee for 4.03%.  I have 14 days to accept this offer.