What is your current mortgage rate...

samizdat

3.75% 5 year fix with Leeds BS. Ends in December.

JonnyBravo

JonnyBravo wrote: »

BoE -0.13% (ie 4.87% currently) but finishes end of Sept...... (sigh)

just got in to grab the end of the 5.49% for 10 yrs that was available from FD (pulled on Tuesday). Will be moving to this come Oct...... (phew)

LouiseJ

Mine is BOE rate + 0.24% with A&L..Works well for me as I can overpay as much as I like.

Trying_to_be_good

I'm on a Woolwich lifetime tracker at +0.18%, with unlimited overpayments - glad I remortgaged last summer.

Jonbvn

I think the important issue that this thread is missing is how much the up-front fees for the mortgage were/are. HSBC are employing clever marketing with their rate matcher, given the huge upfront fees due in some cases.

Lunar_Eclipse

Jonbvn wrote: »

I think the important issue that this thread is missing is how much the up-front fees for the mortgage were/are. HSBC are employing clever marketing with their rate matcher, given the huge upfront fees due in some cases.

That is a very valid point. The 'joining' fees are getting quite ridiculous now and are likely to prevent us taking up another fixed rate when ours ends in November. There is a point at which they make the offer quite unattractive.

Currently on 4.99% offset with FD, ending late in November as I just mentioned. Unless they bring back a 2 year fixed with 'only' a £99 booking fee (as they did before the latest new mortgages were released last week), then we will probably revert to the SVR, currently 6%. As well as looking elsewhere nearer the time. I really like our offset mortgage and we have banked with them for a long time (1994), so it would be a shame to move.

JonWB

2 years into a Nationwide 10 year fixed at 4.89%...

netlang

4.29% til December 2011

save-a-lot

We are on a 4.67% fix for 10 years and we have about 8 years left to run with that deal.

JonnyBravo

Jonbvn wrote: »

I think the important issue that this thread is missing is how much the up-front fees for the mortgage were/are. HSBC are employing clever marketing with their rate matcher, given the huge upfront fees due in some cases.

Granted fees have risen hugely over the last 5 years.
How relevant they are depends largely on how large your mortgage is. The larger the mortgage the less important the fee and that 0.1%, 0.2% etc become all the more important