new property - larger mortgage possible?

KTF

Just to check, are you with the Halifax already and they let you move to the 4.39% deal? What are you on at the moment then?

jarvo

yes, im currently with the halifax.

my current deal is fixed 2 years @ 4.35% from oct2003 to nov2005.

He said if i was to remortgage now i would get the 4.39% deal, but he was just a call centre bloke maybe he was wrong. i did ask if it was for "brand new customers" only he said it wouldnt be a problem.

i will let you know what the paperwork says when it arrives.

KTF

Bah! When I called them up last week (as my 3.79% fixed rate is due to end in September) they only offered me 4.99% and a £299 fee All the lower rates they offered were for new customers only so I am in the process of moving to the nationwide at 4.39% instead.

The guy on the phone said he would send through the quote but all I got in the envelope was the key facts document and nothing else.

homersimpson_3

not sure if this helps but the halifax have special discounts for large scale employers- public and private sector - and they are available to exisiting customers. my friend went to see halifax and was offered a good deal (but rates may have changed because it was many months ago). the local branch number will appear on your statement. ring them up and ask for the mortgage advisor to call you back- give them a time when you know you will be available. saves hanging on phone and let them pay the bill (they make enough profit!)