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-   -   1.5% Happy Days (http://forums.sv650.org/showthread.php?t=123514)

mike_avfc 08-01-09 07:55 PM
Re: 1.5% Happy Days
 
i remortgaged in July and had a suspicion rates were gonna fall - nowhere as low as this though - and resent paying a grand for a set up fee.

took out a fee free from HSBC at 0.99% above back of england

Mortgage has falled £400 a month in last 3-4 months - happy days :) for now anyway !!

Balky001 08-01-09 08:07 PM
Re: 1.5% Happy Days
 
I remortgaged last spring as was getting some work done on the house. Was at NR on variable (form L&G) at about 5.9%. Wasn't bad as L&G had better terms than NR. Anyway, borrowed and extra 30% for the extention and got a HSBC tracker, .49% above base, now paying less than I did before I borrowed the extra. Putting in an extra £200 a month whilst its cheaper or I'll spend it on shiny things.

rob13 08-01-09 10:11 PM
Re: 1.5% Happy Days
 
remortgaged in June after coming off a fixed term deal. I was worried that we'd see inflation rising so we took out a 3 year fixed deal at 5.7%. If we'd gambled we might be paying less. I guess thats how it works.

-Ralph- 08-01-09 10:47 PM
Re: 1.5% Happy Days
 
We are on a HBOS staff mortgage, +0% base rate tracker with all rate cuts passed on automatically. So we are now paying 1.5% :mrgreen:

Frank 08-01-09 10:57 PM
Re: 1.5% Happy Days
 
Quote:
Originally Posted by Lou M (Post 1738255)
My savings have taken a battering. Thats why I decided on the new bike, I'd rather put my money to better use at the moment!
tell me about it
Im getting punished bacause I did the right thing and saved.

Ed 08-01-09 11:01 PM
Re: 1.5% Happy Days
 
Quote:
Originally Posted by mike_avfc (Post 1738384)
i remortgaged in July and had a suspicion rates were gonna fall - nowhere as low as this though - and resent paying a grand for a set up fee.
Tjhis is where lenders seem to make their money. It's a rip off. Some of my clients complain that I charge £450 to do their conveyancing. I always retort by pointing out all the charges the lender is imposing in the mortgage offer. Particularly early redemption fees, what a con that all is. I used to defend them for a living when I was at BM. If only customers had known the right questions to ask, I would have had no chance.

Quote:
Originally Posted by Grinch (Post 1738081)
Anyone who doesn't want a 25% deposit, as that's alot of money to raise up front.
Sorry. Didn't read all the credit criteria.

You could do worse than to call my mate Stephen Bath of Bee Mortgages here in Shrewsbury. He's a broker. 01743 363979.

Thingus 08-01-09 11:09 PM
Re: 1.5% Happy Days
 
Workmate of mine isn't fixed and is paying less, but her gas has just doubled in price so what she's gaining on interest is going straight into the gas bill!! Harsh world we live in :(

Ed 08-01-09 11:18 PM
Re: 1.5% Happy Days
 
Quote:
Originally Posted by Thingus (Post 1738678)
Workmate of mine isn't fixed and is paying less, but her gas has just doubled in price so what she's gaining on interest is going straight into the gas bill!! Harsh world we live in :(
:smt115 Turn the heating off occasionally:mrgreen:

Thingus 08-01-09 11:21 PM
Re: 1.5% Happy Days
 
Hah :p. The sun needs to turn its heating on first!


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