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should I remortgage or stay with IngDirect?
daxu
Posts: 188 Forumite
Hello,
My mortgage is with IngDirect (around a year) now. Currently the mortgage total is around 67k.
I am wondering if it is worthwell to looking for a new deal? IngDirect's rate is 6.09% (bit high), but no fees and I can overpay when I wants to.
If I move to other lenders, I may get lower rate, but may come with a 400£ (or even higher) fee, and I won't be able to overpay as much as I do now (When I moved my mortgage from Halifax to IngDirect, it was around 100k, I overpaid some amount, and I plan to do similar things to finish my mortgage in 3 years).
I thought about things like "one account", but I don't really have big lump sum to put in. So, should I think about moving or just stick with IngDirect?
Many Thanks
Jerry
My mortgage is with IngDirect (around a year) now. Currently the mortgage total is around 67k.
I am wondering if it is worthwell to looking for a new deal? IngDirect's rate is 6.09% (bit high), but no fees and I can overpay when I wants to.
If I move to other lenders, I may get lower rate, but may come with a 400£ (or even higher) fee, and I won't be able to overpay as much as I do now (When I moved my mortgage from Halifax to IngDirect, it was around 100k, I overpaid some amount, and I plan to do similar things to finish my mortgage in 3 years).
I thought about things like "one account", but I don't really have big lump sum to put in. So, should I think about moving or just stick with IngDirect?
Many Thanks
Jerry
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