Cinnamon Posted November 10, 2010 Share Posted November 10, 2010 Urgh My mortgage deal has come to an end & I have to shop around for a new one - I loath doing this Anyone know of any great deals around at the moment - we have only 5.5 years left on ours,& the best my current lender can offer me is a 3 year tracker at 2.69% above. Quote Link to comment Share on other sites More sharing options...
Donna C Posted November 10, 2010 Share Posted November 10, 2010 Wow, u r a lucky thing. Try moneysupermarket.com, mortgages fixed rates and should get better deal Quote Link to comment Share on other sites More sharing options...
abwsco Posted November 10, 2010 Share Posted November 10, 2010 HSBC couldn't be beaten for us when we were doing ours. We always go to a broker via our IFA and even he couldn't find us a better deal. BTW brokers don't get paid by HSBC so they wont tell you about their deals. Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted November 10, 2010 Author Share Posted November 10, 2010 Thats good to know - we bank with them Quote Link to comment Share on other sites More sharing options...
abwsco Posted November 10, 2010 Share Posted November 10, 2010 Couldn't fault them at all Sarah from start to finish. Did it through branch as that was quicker. Minimal fee - think it was £99 and all legal etc paid. We didn't need a surveyor for ours either due to the LTV rate we had. Just wish we only had five years left - lol We didn't bank with them but do now as we were so impressed. Quote Link to comment Share on other sites More sharing options...
Angie Posted November 10, 2010 Share Posted November 10, 2010 My mortgage was with HSBC I got a very good deal with them when I moved 9yrs ago .could only have a 17 yr mort , a tracker. If i were looking for a new mortgage i would definately go to them first. Quote Link to comment Share on other sites More sharing options...
Willow Posted November 10, 2010 Share Posted November 10, 2010 Sarah, We use a great financial adviser that keeps track of our current deal and finds the next one as that is coming to an end and gets it all set up for us to review and comes out to the house to sort the paperwork so we move seamlessly from one to the other. The first few times I used to quietly check and see if I could find a better deal and I could never could find a deal as good. He doesn't pressurise us to take up other financial products if we don't want to. He's very pleasant and his policy is to get happy customers that keep coming back to him over the long term rather than what will be the most lucrative for him in the short term. We've saved quite a bit of money over the years using him because I know I'd wait until close to the end of one deal and spend too long agonising over the next best deal so would have a few months on normal rate each time. Quote Link to comment Share on other sites More sharing options...
Chickendoodle Posted November 11, 2010 Share Posted November 11, 2010 If you have only 5 years left might it be worth investigating a personal loan at a fixed rate rather than another mortgage? Quote Link to comment Share on other sites More sharing options...
beach chick Posted November 11, 2010 Share Posted November 11, 2010 we used London & Country - very very good, got us a great deal (although it took a while as we are both self-employed, and efficient accountants who save tax but unfortunately means income figures dont look great! - not that they are, but hopefully you know what I mean...!) Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted November 11, 2010 Author Share Posted November 11, 2010 We are self employed too,& have the same problem with income figures. Still,it does work out well for us in other ways Quote Link to comment Share on other sites More sharing options...
beach chick Posted November 11, 2010 Share Posted November 11, 2010 We are self employed too,& have the same problem with income figures.Still,it does work out well for us in other ways yup, it's swings and roundabouts!! Quote Link to comment Share on other sites More sharing options...
sage Posted November 11, 2010 Share Posted November 11, 2010 Have a look at "Martin Lewis Money Saving Expert" web site they have a full section on mortgages. Sage Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted November 11, 2010 Author Share Posted November 11, 2010 Thanks Have been looking around all day - not sure if I can actually face changing lender to be honest,so might just go for a tracker with who we are with now. My head hurts.................. Quote Link to comment Share on other sites More sharing options...
Willow Posted November 11, 2010 Share Posted November 11, 2010 My head hurts.................. tbh that's why I was relieved to hand the problem to someone else, I used to look at so many options and tried t work out what the impact would be over the duration of the deal and never could. Our finance guy turns up with the alternatives laid out with all that info Quote Link to comment Share on other sites More sharing options...
WarrensWorld Posted November 12, 2010 Share Posted November 12, 2010 What's a mortgage......... Quote Link to comment Share on other sites More sharing options...
Jules. Posted November 12, 2010 Share Posted November 12, 2010 What's a mortgage......... I'm not too sure now- I paid mine off in September Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted November 12, 2010 Author Share Posted November 12, 2010 We would love to pay ours off soon,but with Uni fees on the horizon,its not likely. Still, 5 years or so isn't too long to wait,really. I am sure glad I talked this man into making the commitment of buying property while we were still young Quote Link to comment Share on other sites More sharing options...
