mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
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i want a 5year fixed mortgage, 140k house, 85k mortgage, anyone got / find / know of any that can better 4.19% for 5 years, reverting to 3.69%, no arrangement fee and a £99 booking fee.
best i can find, but hoping there is something better?
chelsea did one but it lasted for a week, was only 3.5%, boo.
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_Allan_
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Registered: 24th Mar 04
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That seems a good rate and fees after a quick mooch about.
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mantamark
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Registered: 19th Jun 06
Location: Northumberland
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the fees alone are worth it, been quoted anything from 800 to 2k! seems to be the lowest rate aswell.
What are people doing with mortgages at the min? fix? for how long?
Heard the base rate will probs be going up next week (the BOE meet on the wed & thurs after the first monday of the month - confusing!), so ideally i need to get something sorted before then!
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_Allan_
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Registered: 24th Mar 04
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I got (back in June 09) a fixed rate of 4.69 for 75% LTV. 5 Years. With £250 fees but got £200 back after 30 days of 1st repayment. However as said things have gone up and that was at the lowest point of the market downturn. Your rate for 60% LTV would have been even cheaper at that time but seems good for now. I'd snap that up tbh.
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James
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Registered: 1st Jun 02
Location: Surrey
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£140k house in Newcastle? How big's the swimming pool?
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mantamark
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Registered: 19th Jun 06
Location: Northumberland
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lolz.
Its in blyth, 7min walk to the beach, 3 bedroom with loft fitted out to be 4th, but needs a fixed staircase to be classed as one.
http://www.rightmove.co.uk/property-for-sale/property-15956808.html
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dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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Room size much 
I know im northern to most of you, but I certainly wouldnt mind being a bit more northern 
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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believe it or not, the flat we are moving from has some bigger rooms!
Allan, seems like fees have shot up since the base rate has been down. Its either low % and 1k fees, or high % and 500quid fees.
Tbh, i would only move from north east if i was going to the lakes. Dont care what people say, i work all over the country and nowhere is as good.
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Pop
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Registered: 8th May 03
Location: Reading
User status: Offline
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quote:
Originally posted by _Allan_
I got (back in June 09) a fixed rate of 4.69 for 75% LTV. 5 Years. With £250 fees but got £200 back after 30 days of 1st repayment. However as said things have gone up and that was at the lowest point of the market downturn. Your rate for 60% LTV would have been even cheaper at that time but seems good for now. I'd snap that up tbh.
Is that with Abbey/Santander?
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_Allan_
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Registered: 24th Mar 04
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Yeah
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
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Thats a bloody good deal imo!
Ours is a 90% mortgage on a 176k 2 bed semi paying over 900 quid a month.
I want to be northern
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
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Just rang them to sort it out, and they are ringing me back for a 40min chat.
On tuesday.
I was like, i'm talking to you now, can't we go through it now? No, sorry, we are too busy.
Dammit there will be hell to pay if they ring up tues and offer a 9% deal with 2k fees 
Northernness rawks btw.
£499 a month, and even if after the 5 year fix the best deal we can get is 12% it will be £926 a month. pretty humped if it goes much higher than that though!
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Pop
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Registered: 8th May 03
Location: Reading
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quote:
Originally posted by _Allan_
Yeah
We got exactly the same mortgage deal as you and also got our house back in July 09
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_Allan_
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Registered: 24th Mar 04
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I still aint moved in, got the keys in Sept
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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Howay Allan, get your skates on!
Cant wait to get the keys, then 80% of the stress will be gone!
I hate the fact nothing is set in concrete til its move day, madness.
Lad at work was saying his seller pulled out 2 days before move date because he got back with his partner after splitting up.
Should be something in place to stop this tbh, once you've split, you should never go back.
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Ben G
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Registered: 12th Jan 07
Location: Essex
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There is in scotland from what my gf's mum told me, or something like that
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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That would be awsome, a law to stop you ruining your life by going back to a broken relationship.
Oh, wait, you mean the house thing? that would also be good.
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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Abbey and Post Office (Direct, IFA's don't use them) are getting some of the best deals this month i'm finding.
Corsa 2.0 16v Vegas - Sold
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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quote:
Originally posted by Ben G
There is in scotland from what my gf's mum told me, or something like that
That's because Scotlands system is actually decent. The house is surveyed before it goes OTM by the seller and i think once a sale is actually agreed you have to have a very good reason to pull out.
Corsa 2.0 16v Vegas - Sold
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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Got my callback from First Direct today.
All good in the hood, computer says yes
5 years fixed at 4.19%
£99 booking fee
£160 Survey costs
No exit fee's, no legal fee's
Happy Bunny
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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Congrats 
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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Cheers fella, the survey is getting done on our flat today, hope they dont find anything!
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