Time to move my mortgage...but where to?

Time to move my mortgage...but where to?

Author
Discussion

Penny-lope

Original Poster:

13,645 posts

195 months

Saturday 24th November 2012
quotequote all
Morning, just wondering of any of you lovely 'finance' peeps can give me some advice.

My 3 year fixed rate finished in August of this year and I'd like to find another deal ASAP.

I currently have a loan for £54,135.60 (Oct/12) with an interest rate of 4.74%, and my property is valued in the region of £105,000...making my LTV ~52% (I think)

I've been looking around, but there is just so many lenders.

So PH'ers do you know of any amazing deals at the moment?

limpsfield

5,896 posts

255 months

Saturday 24th November 2012
quotequote all
Have you been to money supermarket.com to search?

I always use this to see what deals are out there. With your ltv you should end up with a much more competitive deal than you have been on.

Sarnie

8,063 posts

211 months

Saturday 24th November 2012
quotequote all
Penny-lope said:
Morning, just wondering of any of you lovely 'finance' peeps can give me some advice.

My 3 year fixed rate finished in August of this year and I'd like to find another deal ASAP.

I currently have a loan for £54,135.60 (Oct/12) with an interest rate of 4.74%, and my property is valued in the region of £105,000...making my LTV ~52% (I think)

I've been looking around, but there is just so many lenders.

So PH'ers do you know of any amazing deals at the moment?
I'm a Mortgage Broker and can help with this smile

I'll drop you a PM.

Loafer

126 posts

230 months

Monday 26th November 2012
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Best deal I've seen is 2.79% 5yr fix with the co-op 60% ltv

russ_a

4,598 posts

213 months

Monday 26th November 2012
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Tesco - 2.39% Fixed 2 Years - No Fee

russ_a

4,598 posts

213 months

Monday 26th November 2012
quotequote all
Tesco - 2.39% Fixed 2 Years - No Fee

BoRED S2upid

19,762 posts

242 months

Wednesday 28th November 2012
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russ_a said:
Tesco - 2.39% Fixed 2 Years - No Fee
Thats a pretty good deal ive not seen lower than that.

Sarnie

8,063 posts

211 months

Wednesday 28th November 2012
quotequote all
BoRED S2upid said:
Thats a pretty good deal ive not seen lower than that.
The rate was 1.99% until recently.

Also, it's not 'no fee', it has £995 of fee's.

BoRED S2upid

19,762 posts

242 months

Wednesday 28th November 2012
quotequote all
Sarnie said:
BoRED S2upid said:
Thats a pretty good deal ive not seen lower than that.
The rate was 1.99% until recently.

Also, it's not 'no fee', it has £995 of fee's.
£995! Ignore what I just said about it being good thats a whole heap of fees.

Sarnie

8,063 posts

211 months

Wednesday 28th November 2012
quotequote all
BoRED S2upid said:
£995! Ignore what I just said about it being good thats a whole heap of fees.
It's £195 upfront non-refundable and then £800 added to the mortgage.