Mortgage renewal time... who are you with?

Soul_Glo · 08-10-2018, 02:37 PM

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

planemad · 08-10-2018, 02:50 PM

Prob 1.8 to 2.5% I would guess for a 2yr fixed.

First direct we’re doing some good deals recently.

isleaiw1 · 08-10-2018, 03:17 PM

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

Surely asking a broker is a better bet... we use mortgage 1st...

Biggest factor is LTV...

Broncho · 08-10-2018, 03:39 PM

10 year fixed with TSB at 1.79% is what I got in October / November.

As above get a decent mortgage broker.

willjames · 08-10-2018, 03:43 PM

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

Soul_Glo · 08-10-2018, 03:51 PM

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about Â£120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

This is our second home

I live in married quarters. My electric and gas is a flat 24p a unit. My rent is Â£172 per month. I have a 5 bed property. Sorry to gloat.

Broncho · 08-10-2018, 03:53 PM

Quote:

Originally Posted by Surg_Capt_R

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

This is our second home

I live in married quarters. My electric and gas is a flat 24p a unit. My rent is £172 per month. I have a 5 bed property. Sorry to gloat.

You only have 2?

willjames · 08-10-2018, 03:54 PM

Quote:

Originally Posted by Surg_Capt_R

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

This our second home

Nicely done my friend, nicely done

My wife is trying to persuade me to buy a second home / apartment somewhere on the coast now our mortgage is nearly done. Still a bit of saving first though before for deposit before maybe taking the plunge.

Soul_Glo · 08-10-2018, 04:15 PM

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about Â£120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

This our second home

Nicely done my friend, nicely done

My wife is trying to persuade me to buy a second home / apartment somewhere on the coast now our mortgage is nearly done. Still a bit of saving first though before for deposit before maybe taking the plunge.

I always wanted a coastal property. That sounds like a great plan. Hope she agrees!

Soul_Glo · 08-10-2018, 04:15 PM

Quote:

Originally Posted by Broncho

Quote:

Originally Posted by Surg_Capt_R

Quote:

Originally Posted by willjames

Quote:

Originally Posted by Surg_Capt_R

What kind of offers / apr should one be looking at?
There is about £120,000 left to pay off.

Thanks

Sorry to gloat, but I've only got one payment left on my mortgage...1 month

This is our second home

I live in married quarters. My electric and gas is a flat 24p a unit. My rent is £172 per month. I have a 5 bed property. Sorry to gloat.

You only have 2?

One for each daughter. What am I going to do with more? My plan is to save and travel the world. May be settle abroad.

SkyJawa · 08-11-2018, 03:35 AM

Our financial advisor got our b2l best deal from Virgin Money.

isleaiw1 · 08-11-2018, 05:07 AM

Thecleeds on buy to let and Santander for own home.

Coastal property will be overseas when it happens...

devil84 · 08-12-2018, 02:45 PM

Quote:

Originally Posted by Broncho

10 year fixed with TSB at 1.79% is what I got in October / November.

As above get a decent mortgage broker.

How did you manage that?!? What's the ltv

Tengocity · 08-12-2018, 03:08 PM

Quote:

Originally Posted by planemad

Prob 1.8 to 2.5% I would guess for a 2yr fixed.

First direct we're doing some good deals recently.

We've just got 1.67% on a 2 year fix with Halifax. That's for an LTV of 60-80%

teaston · 08-12-2018, 03:16 PM

We always do price comparison on money supermarket, even the mortgage adviser my wife works with couldn’t get close to the best deal on there (HSBC for us both the last two times)

https://www.moneysupermarket.com/mor...From=SHP-icons

Scoobyd · 08-12-2018, 07:46 PM

I'm an IFA and as such have access to mortgage sourcing software that looks at most, though not all, of the market including broker exclusives.

If you want to PM me the details I'm happy to let you know the best deal that's out there for you. You could then use this to compare against, do your own research etc.

Happy to do so if it would help. Will take me no time to check once I have the info 👍🏼

335i nthehouse · 08-14-2018, 04:27 PM

If you have a head for mortgages and the nuances - last few times I've beat the ifa/ brokers (for what it's worth I went to first Direct last time but I love their customer service even though it wasn't the very cheapest rate ) - this is because often the best deals are customer direct apply only. No cut to pay a middle man. Beware - this is a fair bit of hassle

If you want hassle free - go see a broker or two and see what they offer - they know what they're on about and can do the hard work for you, at a cost. Nothing in life is free though

Pointless people quoting who they are with as different times different lenders offer best deals - just do some research using one of the two routes above depending on your willingness to take the lead

Blacktemplar · 08-16-2018, 06:52 AM

Interested to hear the various views on this and 'best' deals out there. We're coming out of a 5-year fixed deal next March, and who knows what'll be on offer then. At that point we'll have a shade under £60K to go, with less than 20% LTV - want to kill that in under 5 years, depending on a few other things, maybe less.

Chrismac13 · 08-17-2018, 02:32 AM

HSBC had the best deal for us a couple of years back 5 yr fixed

gr4z · 08-17-2018, 06:30 AM

I got a great deal with First Direct about 6 months ago on a 5 yr fixed...

08-10-2018, 02:37 PM	#1
Soul_Glo Major General 13342 Rep 7,484 Posts Drives: G20 Join Date: May 2013 Location: Manhattan, NYC iTrader: (1)	Mortgage renewal time... who are you with? What kind of offers / apr should one be looking at? There is about £120,000 left to pay off. Thanks
	Appreciate 0 Tweet Quote

08-10-2018, 02:50 PM	#2
planemad Lieutenant Colonel 769 Rep 1,641 Posts Drives: 2020 Audi SQ7 & 2019 AM DB11 Join Date: Mar 2013 Location: The Democratic Peoples Republic Of South East England iTrader: (0)	Prob 1.8 to 2.5% I would guess for a 2yr fixed. First direct we’re doing some good deals recently.
	Appreciate 1 Soul_Glo13342.00 Quote

08-10-2018, 03:39 PM	#4
Broncho Banned 2310 Rep 5,101 Posts Drives: Chav white Mercedes Join Date: Nov 2015 Location: Rainhill iTrader: (0)	10 year fixed with TSB at 1.79% is what I got in October / November. As above get a decent mortgage broker.
	Appreciate 1 Soul_Glo13342.00 Quote

08-11-2018, 03:35 AM	#11
SkyJawa Major General 3716 Rep 8,636 Posts Drives: F10 530d Join Date: May 2014 Location: Hampshire iTrader: (1)	Our financial advisor got our b2l best deal from Virgin Money.
	Appreciate 1 Soul_Glo13342.00 Quote

08-11-2018, 05:07 AM	#12
isleaiw1 Lieutenant General 8750 Rep 12,230 Posts Drives: iPace / Mini Join Date: Jul 2016 Location: UK iTrader: (0)	Thecleeds on buy to let and Santander for own home. Coastal property will be overseas when it happens...
	Appreciate 1 Soul_Glo13342.00 Quote

08-12-2018, 03:16 PM	#15
teaston Banned 10994 Rep 32,881 Posts Drives: X3 M40d Join Date: May 2012 Location: The High Seas iTrader: (1)	We always do price comparison on money supermarket, even the mortgage adviser my wife works with couldn’t get close to the best deal on there (HSBC for us both the last two times) https://www.moneysupermarket.com/mor...From=SHP-icons
	Appreciate 1 Soul_Glo13342.00 Quote

08-12-2018, 07:46 PM	#16
Scoobyd Major 1952 Rep 1,260 Posts Drives: E46 330ci Sport / Macan GTS Join Date: May 2017 Location: Herts/London iTrader: (0)	I'm an IFA and as such have access to mortgage sourcing software that looks at most, though not all, of the market including broker exclusives. If you want to PM me the details I'm happy to let you know the best deal that's out there for you. You could then use this to compare against, do your own research etc. Happy to do so if it would help. Will take me no time to check once I have the info 👍🏼
	Appreciate 1 Soul_Glo13342.00 Quote

08-14-2018, 04:27 PM	#17
335i nthehouse Captain 273 Rep 915 Posts Drives: F30 335i Join Date: Apr 2014 Location: Devon iTrader: (0)	If you have a head for mortgages and the nuances - last few times I've beat the ifa/ brokers (for what it's worth I went to first Direct last time but I love their customer service even though it wasn't the very cheapest rate ) - this is because often the best deals are customer direct apply only. No cut to pay a middle man. Beware - this is a fair bit of hassle If you want hassle free - go see a broker or two and see what they offer - they know what they're on about and can do the hard work for you, at a cost. Nothing in life is free though Pointless people quoting who they are with as different times different lenders offer best deals - just do some research using one of the two routes above depending on your willingness to take the lead
	Appreciate 1 Soul_Glo13342.00 Quote

08-16-2018, 06:52 AM	#18
Blacktemplar Brigadier General 3459 Rep 3,667 Posts Drives: X3 M40i Join Date: Aug 2016 Location: Scotland iTrader: (0)	Interested to hear the various views on this and 'best' deals out there. We're coming out of a 5-year fixed deal next March, and who knows what'll be on offer then. At that point we'll have a shade under £60K to go, with less than 20% LTV - want to kill that in under 5 years, depending on a few other things, maybe less.
	Appreciate 0 Quote

08-17-2018, 02:32 AM	#19
Chrismac13 Captain 201 Rep 607 Posts Drives: BMW F31 335i Join Date: Aug 2016 Location: Blyth iTrader: (0)	HSBC had the best deal for us a couple of years back 5 yr fixed __________________ Current: 2016 BMW M5 F10 Gone: 2015 BMW 335i F31, MPPK, DMS Remap, Eibach Pro kit
	Appreciate 0 Quote

08-17-2018, 06:30 AM	#20
gr4z Colonel 1135 Rep 2,808 Posts Drives: i4 e40 Join Date: May 2008 Location: Stamford iTrader: (0)	I got a great deal with First Direct about 6 months ago on a 5 yr fixed... __________________ Current: G26 i4 M Sport Pro, Tech Pk, Sunroof Previous: 2016 440i MPPSK, 2014 330d Saloon F30, 2013 Audi S4 Avant, 2011 Mercedes C350
	Appreciate 0 Quote

Thread Tools	Search this Thread
Show Printable Version Email this Page	Search this Thread: Advanced Search