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Britannia Building Society Deals & Discounts

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697Expired

2.79% 5 year fix zero arrangement fees (free valuation/legal if remortgaging) (60%LTV) @ Britannia

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5 Year Fixed Rate A rate of 2.79% fixed until 30/04/2018 followed by our standard variable rate, currently 4.74%, remaining on these variable terms for the remainder of the mortgage term. The ov…
Monaco Blue Avatar3y, 4m agoFound 3 years, 4 months ago108 Comments
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Ok thanks Gambler
Steve7
Is this deal still going because i can't find it?

No it was pulled yesterday.
brachisaurous
buckfast67uk
Think ill stay with my standard variable rate of 2.5% as rates ain't going up anytime soon

sure bout that? britain did lose its AAA rating, cost of borrowing WILL increase for ALL...maybe this 5 year fixed deal is not so bad!

http://www.thisismoney.co.uk/money/news/article-1607881/When-UK-rates-rise.html

Money markets don't expect the base rate to rise to 0.75 per cent for four and a half years - indicating rates might not be higher than they are now until the second half of 2017.
Is this deal still going because i can't find it?
hawk299
Towner
csiman
Towner
Spoke to customer care team at Co Op as I took this deal 4 weeks ago but with the product fee. After lengthy telephone conversation and a call back they are adamant that as I have completed my mortgage they will not change my deal to be fee free, even though I have not as yet paid the fee.
Anyone in a similar situation had any luck with them changing their minds?? Any ideas of what I could do next?? Any input appreciated!! Pretty annoyed as a thousand pounds is a lot of money to be down......
if the product fee had gone up, would you be happy to pay an increase?

Of course I would, no problem........ I have thousands of pounds just to throw away.
The point is, I have not as yet paid the fee and would obviously like to avoid paying it as they have now changed the deal. If you have anything constructive to say, then by all means reply.

cancelling is your best bet, keep hassling them, you may get somewhere. defo worth a few phone calls to try save a grand

Thanks Hawk299, more phone calls on the way!!
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32Expired

Britannia BS 3 Year Fixed Rate Bond 5% Gross £5,000.00

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Account Name 3 Year Fixed Rate Bond - Issue 29 Interest Rates (AER's) The minimum balance for this account is £5,000. The interest rate is fixed for the term of the Bond. Annual Interest 5.00% gross…
NCIS Avatar6y, 7m agoFound 6 years, 7 months ago3 Comments
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Helicon;7001515
Better off with an ISA with this kind of balance I would think? (Assuming you can get an ISA above 4% of course!)

Current maximum for Cash ISA is only £3,600 (unless over age 50) so you couldn't put £5,000 (the minimum for this investment) in an ISA anyway.
Helicon;7001515
Better off with an ISA with this kind of balance I would think? (Assuming you can get an ISA above 4% of course!)


only if you don't have above the threshold to play with, otherwise it'll take you x years to get it in anyway, so might as well do something productive with it in the interim.

plus yes I think cash ISA rates are pretty shocking at the mo. I wonder if they adjust the rates to allow roughly for basic rate tax anyway, as there always seem to be better rates available with non-ISA savings accounts. If you're a basic rate tax payer I wonder how much value there is in a cash ISA TBH (given the rate spread against some 'normal' savings accounts, especially if you're happy to juggle as needed)
Better off with an ISA with this kind of balance I would think? (Assuming you can get an ISA above 4% of course!)
32Expired

Britannia BS 90% LTV 5.09% Fixed

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Britannia Building Society are now doing a 90% LTV mortgage for first time buyers at 5.09% Fixed £599.00 arrangement fee best on the market?
adr0ck Avatar7y, 1m agoFound 7 years, 1 month ago24 Comments
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Depends on your position I guess, what deposit you have etc. I'd trust a visit to a few lenders to see what they'd offer a lot more than some randoms on an internet forum.
so is this right now the best fixed rate mortgage deal for the a first time buyer?
Rubisco;5455003
Prices aren't low. Lower than last year yes but before that they were climbing for decades. We're in a recession with no end in sight, this isn't the lowest prices will get.


I disagree, lending reports have shown price houses to have stopped falling, and in some cases even to have risen slightly. I speak with experience of this, as a few months ago I had an offer accepted on a flat, which subsequently fell through, put an offer on another flat in the same street opposite the one which had fell through and had to pay 20% more, that was in the space of 2 months!
banned
topbloke77;5459519
Thats definately not the case uk-wide. My 2 bed flat was £36k in 2001 and I sold it recently for £103k to a FTB! - nutter I would not pay that

yep - same here. bought my house in 2002 for £245,000 amd a valuation last month was between £450,000 - £500,000. Agent said things were definitely on the up and lots of SOLD signs around my way (more 'Sold' than 'For Sale' signs).
[QUOTE=tek-monkey;5455240EDIT: Thinking about it, in 2001 I could have purchased a 2 bed terraced for 3.5x my salary. I can now buy a 2 bed terraced for 3.5x my salary. As a FTB it seems to have remained constant, as my wages haven't exactly risen dramatically![/QUOTE]

Thats definately not the case uk-wide. My 2 bed flat was £36k in 2001 and I sold it recently for £103k to a FTB! - nutter I would not pay that
261Expired

Updated: Britannia Building Society Offering 90% LTV @ 4.74% No Fees

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Updated (previously 4.99%) Britannia Building Society Offering 90% LTV @ 4.74% on SVR No Set Up Fees Looks like the best rate out there for first time buyers And if interest rates fall by a furthe…
adr0ck Avatar7y, 7m agoFound 7 years, 7 months ago43 Comments
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This deal for 90% first time buyers SVR is getting pulled tomorrow at 9am;

http://www.timesonline.co.uk/tol/money/property_and_mortgages/article5592799.ece

DJ
update rate is now 4.74%

this still seems to be the cheapest rate for first time buyers

if you want security of a fix i think the cheapest is 5.69% from C&G

(lots of banks seem to have come back with 90% deals today so check out the following website for details)

http://www.fsa.gov.uk/tables/bespoke/Mortgages
by the way this is still the cheapest 90% LTV @ the mo

you can get 3.99% with stafford railway

http://www.srbs.co.uk/p/residential.php

however you would need to have parents or someone acting as guarantors

*** For applications in excess of [COLOR=#ff0000]75%[/COLOR] SRBS is prepared to consider a secured guarantee. A first charge over property or cash, are examples.
spunklemonkey;3930134
Id say people saying its not a good time to buy a house, well when is it? Its a massive purchase and I would have though buying one now is better than having bought one earlier this year or last year and now being in negative equity.

Lets not forget some of us have to live in houses and arent just developing them and trying to make profits. Houses are supposed to be lived in and for the past 30 years (minus minor drops) people just expect their house to be worth more, but why should it be when you think about it, sure it would be nice but what sort of purchase becomes worth more over time? Not many.

So if its a good time or bad time, people saying wait 2 years are clearly investor types, what about first time buyers? Wait 2 years? Its a bit extreme because thats 2 years of your life, you could wait and the rate stays the same, you could end up spending all your deposit, a lot of things could happen, but what if you have a child and need a house? Wait 2 years? Its pretty unrealistic telling people to wait 2 years, you totally generalised it and should realise a house needs to be a home for many people, not just an investment.


there never is a good time to buy a house as it has to be right for you (or right for your missis anyway - as i believe they wear the trousers in house buying)
Id say people saying its not a good time to buy a house, well when is it? Its a massive purchase and I would have though buying one now is better than having bought one earlier this year or last year and now being in negative equity.

Lets not forget some of us have to live in houses and arent just developing them and trying to make profits. Houses are supposed to be lived in and for the past 30 years (minus minor drops) people just expect their house to be worth more, but why should it be when you think about it, sure it would be nice but what sort of purchase becomes worth more over time? Not many.

So if its a good time or bad time, people saying wait 2 years are clearly investor types, what about first time buyers? Wait 2 years? Its a bit extreme because thats 2 years of your life, you could wait and the rate stays the same, you could end up spending all your deposit, a lot of things could happen, but what if you have a child and need a house? Wait 2 years? Its pretty unrealistic telling people to wait 2 years, you totally generalised it and should realise a house needs to be a home for many people, not just an investment.
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