Mortgages with Sarnie
Discussion
Miocene said:
Any preference between a mail and a call? Can do either.
Have a remortgage coming up but would appreciate some advice on offsets (and if we're missing anything).
Whatever is easiest for you!Have a remortgage coming up but would appreciate some advice on offsets (and if we're missing anything).
Between lenders, solicitors and clients the phone rings a LOT.........so sometimes emails are better..........but either isn't a problem, always happy to chat!
Bikesalot said:
More praise for Sarnie (Liam)
Just had my second mortgage approved via Sarnie.
AIP obtained on the 30th, full approval today (11th).
Made effortless again despite me missing some vital information through part of the process.
Would, again, highly recommend.
No problem at all! Just had my second mortgage approved via Sarnie.
AIP obtained on the 30th, full approval today (11th).
Made effortless again despite me missing some vital information through part of the process.
Would, again, highly recommend.
Bikesalot said:
More praise for Sarnie (Liam)
Just had my second mortgage approved via Sarnie.
AIP obtained on the 30th, full approval today (11th).
Made effortless again despite me missing some vital information through part of the process.
Would, again, highly recommend.
I hope to have a quick, easy and painless remortgage with Sarnie at the end of the month. Happy days for you though!Just had my second mortgage approved via Sarnie.
AIP obtained on the 30th, full approval today (11th).
Made effortless again despite me missing some vital information through part of the process.
Would, again, highly recommend.
Glad I found this.
Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
V1nce Fox said:
Glad I found this.
Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
Three months is the usual remortgage offer length for most providers......a few will do longer though, up to six months.....just depends if those providers are offering competitive products Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
Sarnie said:
Three months is the usual remortgage offer length for most providers......a few will do longer though, up to six months.....just depends if those providers are offering competitive products
Bril, thanks for the reply Sarnie. Don't mind admitting I'm bricking it a bit about where interest rates will commonly be by this time next year.
V1nce Fox said:
Glad I found this.
Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
Pretty much my exact situation, my mortgage provider (Nationwide) will let me fix a new deal 5 months before my current fixed term runs out, which is July this year, so I'm looking to commit to a new deal next month.Sarnie, I'm looking to move mortgage companies within the next 12 months (lock in ends in jan/feb 2020). I'm currently on 2.69% (best I could find at the time).
My question is, how soon can I look for and lock into a new mortgage deal before completion of the old one (in terms of the new one being honoured).
I'm a little nervous that rates are about to go banzai and want to future proof myself against this. Am I being a little over cautious?
I'm with Skipton atm, 79k to go and overpaying every penny. I'd like to lock in the final mortgage deal (next one) for about 7-8 years, given that my current overpayment projects me paying it all off in 5-6 years but obviously there's no guarantee I can sustain the large overpayments.
Many thanks for any advice!
A 10 year term, fixed for 5 years seems to work out the best for me, and with overpayments I reckon I can pay it off in full in those 5 years. I could probably stretch to a 5 year term, but it is nice to have that buffer as you say, even if it means paying a little more.
The rates being offered currently seem pretty favourable to me at the moment, so I'm happy to fix for 5 years and then see what the market does and then look to buy a bigger place if there is any confidence going forward after things settle down a bit (hopefully!)
Gary29 said:
Pretty much my exact situation, my mortgage provider (Nationwide) will let me fix a new deal 5 months before my current fixed term runs out, which is July this year, so I'm looking to commit to a new deal next month.
A 10 year term, fixed for 5 years seems to work out the best for me, and with overpayments I reckon I can pay it off in full in those 5 years. I could probably stretch to a 5 year term, but it is nice to have that buffer as you say, even if it means paying a little more.
The rates being offered currently seem pretty favourable to me at the moment, so I'm happy to fix for 5 years and then see what the market does and then look to buy a bigger place if there is any confidence going forward after things settle down a bit (hopefully!)
what sort of rates are they offering you atm?A 10 year term, fixed for 5 years seems to work out the best for me, and with overpayments I reckon I can pay it off in full in those 5 years. I could probably stretch to a 5 year term, but it is nice to have that buffer as you say, even if it means paying a little more.
The rates being offered currently seem pretty favourable to me at the moment, so I'm happy to fix for 5 years and then see what the market does and then look to buy a bigger place if there is any confidence going forward after things settle down a bit (hopefully!)
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