Norwich & Peterborough BS Deals & Sales for 2016 - HotUKDeals
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Norwich & Peterborough BS Deals & Discounts

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298

5 Year Fixed Rate Mortgage, 2.74% with just a £195 fee (75% LTV) at Norwich & Peterborough

39
Have spent the last 2 hours looking at various rates, as far as I can see this is the best deal out there for a fixed 5 year mortgage with a LTV above 65% that also has a low to no fee. If anyone c…
david_robinson94 Avatar1y, 8m agoFound 1 year, 8 months ago39 Comments
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isla123
delusion
david_robinson94
delusion
I'm due to remortgage soon to avoid the standard rate, and value of my property has increased (from 80 to 65% LTV). I also plan to sell within 2 years and so expect an early repayment fee (which is usually at least 1-2% of balance), really struggling with what my options are in this scenario.
Maybe a 2 year fixed deal will suit you better, the rates tend to be a lot better over just 2 years.
Yes I expect it will, but with arrangement fee and early repayment fee it could be around £4k total depending on the lender.
I may not lose that much just staying on a standard rate even if it's 4 or 5% until I sell. Wasn't sure if there were options I hadn't considered.
delusion
I'm due to remortgage soon to avoid the standard rate, and value of my property has increased (from 80 to 65% LTV). I also plan to sell within 2 years and so expect an early repayment fee (which is usually at least 1-2% of balance), really struggling with what my options are in this scenario.
Most mortgages are portable so you don't need to worry about ERC

Last time I sold 6 months before my house purchase or I would have lost my buyer, so would not have been able to port.

Anyway I have decided on a 2 year loyalty tracker with Santander. 1.39% with £495 fee, and no ERC other than repay legal/valuation fees they paid for.

Edited By: delusion on Apr 02, 2015 17:32
There is a charge (£350.00) for valuation on this mortgage.

So in total, your fees will be a minimum of £545.00.
My product finishes the end of august. Is it too early to apply now. Intending on going for the 2.19 fix with first direct then once it goes thru go for the 1.79 tracker . if it looks like there is going to be a hike get back to a fix again. Thoughts....?
WalkerboyUK
As for zero and negative rates - this country will implode if that ever happens. Banks will crumble because people will just outright stop putting money in accounts that pay no interest at all.

If you say so.

'You can't taper a ponzi scheme'
delusion
david_robinson94
delusion
I'm due to remortgage soon to avoid the standard rate, and value of my property has increased (from 80 to 65% LTV). I also plan to sell within 2 years and so expect an early repayment fee (which is usually at least 1-2% of balance), really struggling with what my options are in this scenario.
Maybe a 2 year fixed deal will suit you better, the rates tend to be a lot better over just 2 years.
Yes I expect it will, but with arrangement fee and early repayment fee it could be around £4k total depending on the lender.
I may not lose that much just staying on a standard rate even if it's 4 or 5% until I sell. Wasn't sure if there were options I hadn't considered.

delusion
I'm due to remortgage soon to avoid the standard rate, and value of my property has increased (from 80 to 65% LTV). I also plan to sell within 2 years and so expect an early repayment fee (which is usually at least 1-2% of balance), really struggling with what my options are in this scenario.
Most mortgages are portable so you don't need to worry about ERC
221Expired

NandP 2 year fixed rate mortgage 1.89% with £195 fee for <65% LTV. Norwich and Peterborough

25
Even better than the last time I post a deal, feel hard done by with my present 2.19% NandP fixed that ends in May Current rates effective from 17/09/2014 - Apply in branch - Apply by phone
dodgymix Avatar2y, 1m agoFound 2 years, 1 month ago25 Comments
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is the product fee of £195 additional to the set up fee?
onthecheap
I'm a Santander current account customer, they are offering a 5 yr fix at 2.99% @ 70LTV £495 product fee. How does that compare over a 5 year period, do people think rates will up that much in the next 2-3 years?

If you have the 3-2-1 account (which is free to move and you keep the same account number) they give you 1% cashback on monthly Santander mortgages, as well as 1% cashback on council tax, water, phone, broadband, tv monthly payments.
roadrunner1
2 year fix. So basically it will end just as the interest rates start to ride then.

People said that 7 years ago,, ooohh dont take a 2 year fix out as rates will go up... still 0.5% and government cant afford for Base rate tyo go up as it will increase repossessions.. not a good tool for attracting votes


Cant see Base rate moving above 2% in the next 5 years.. I work in finance and long term borrowing cost sensitivity is regularly getting reduced on long term outlook
so how much does your salary need to be in order to qualify for this mortgage?
onthecheap
I'm a Santander current account customer, they are offering a 5 yr fix at 2.99% @ 70LTV £495 product fee. How does that compare over a 5 year period, do people think rates will up that much in the next 2-3 years?
So many people have too high mortgages that it'll be years before proper rises back to 4 or 5%

Imagine sone one on a £200k mortgage and base rate goes to 4.5%

Could they really find an extra £8 per year £666.66 a month

Country can't afford the consequences
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324Expired

N&P (Norwich and Peterborough Building society, 2 year fixed rate mortgage 1.99% with £195 fee, 65% LTV, nmuch better than HSBC deal

26
Describe the deal in your own words and explain to members why it is a good deal! Please don't just paste in marketing text or specs. Remember: this is a community site, self-promotion may result
dodgymix Avatar2y, 3m agoFound 2 years, 3 months ago26 Comments
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I've just found the details of the fees on the website here and confirmed speaking to one of their advisors.

There is a £90 non refundable booking fee retained by N&P and the valuation fees are as follows
Up to £75,000 £142
£75,001 - £100,000 £154
£100,001 - £150,000 £188
£150,001 - £200,000 £224
£200,001 - £250,000 £260
£250,001 - £350,000 £301
£350,001 - £500,000 £383

So for particularly large mortgages (over 300k) this deal might make sense but for the rest of us the HSBC deal is the better option. The initial post should also be update to reflect this as at the moment it's misleading not to include all the fees.

Edited By: myOpinion2 on Sep 09, 2014 13:29
dodgymix
myOpinion2
The OP has missed the valuation fee, while I can't see what this is on the N&P site it is likely to more than wipe out the savings made over the HSBC deal that has free valuation. The fact that these fees are hidden would also put me of this deal.
Valuations are free

Are sure their website says the following

2 YEAR FIXED RATE MORTGAGE - SUMMARY
VIEW THE FULL DETAILS
Borrow up to 65% of the property value or purchase price (subject to criteria)
Repayments are fixed for the first 2 years
Option to overpay or underpay (subject to terms and conditions)
Early repayment charges may apply
Minimum loan £25,001
Valuation fee paid by customer
New borrowers only


Edited By: myOpinion2 on Sep 08, 2014 17:46
myOpinion2
The OP has missed the valuation fee, while I can't see what this is on the N&P site it is likely to more than wipe out the savings made over the HSBC deal that has free valuation. The fact that these fees are hidden would also put me of this deal.
Valuations are free
The OP has missed the valuation fee, while I can't see what this is on the N&P site it is likely to more than wipe out the savings made over the HSBC deal that has free valuation. The fact that these fees are hidden would also put me of this deal.
garryspight
Hmm will stay on my 1.49% tracker which is years old now

If you're on 1% above BOE base rate tracker mortgage you'd be mad to even swop for a cheaper modern mortgage, as most now track against the banks own SVR. I'd be extremely wary about such mortgages unless you have the equity/earnings to walk to another provider should the bank decide to squeeze some more money out of you by raising the SVR. Santander did exactly that in 2012, raising rates by 0.5%, ignoring BOE rate and the fact we were smack bang in a still faltering economy :/
759Expired

10 year fixed rate mortgage 3.84%, up to 75% LTV, no product fees, N&P

100
With interest rates expected to increase in the next couple of years (and mortgages rates likely to rise in anticipation) now might be a good time to consider moving to a fixed rate mortgage. Nor…
hotukdeals54 Avatar2y, 11m agoFound 2 years, 11 months ago100 Comments
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323157
Persian_Gu1f
phillyboy
No interest rate rises until at least 2016

That is the betting given Bank of England's Governor stating that interest rates won't rise until unemployment falls below 7%. Read this.

Unemployment will drop below 7 percent far faster than 2016. Likely to hapen in 2014.

Let's hope so for the sake of all those unemployed, especially those who are very skilled but still finding it hard to land a decent job.
blueroo
herodave
What if your property rises in value by say £30K in 3 years time..
It would be worth about £30k more?

and you'd be stuck on a 10 year fixed rate and not be able to take advantage of reduced LTV deals
solid
I must have missed a few posts - is this Karl's Mortgage Calculator?



http://www.drcalculator.com/mortgage/uk/

Yup! It's a great tool to assist with financial planning.
I've not read all the previous comments, but will just give you my very recent experience.

I started 2013 off just fine, two weeks later I had a bit of an itchy forehead which to cut a long story very short was officially diagnosed in June as multiple sclerosis. I'd just taken out a 5 year fixed HSBC mortgage and as a result of being covered by critical illness insurance was able to pay my mortgage off BUT had £5k+ early repayment fees.

I know my story won't happen to many people but just wanted to point out that you just don't know what is round the corner.
I must have missed a few posts - is this Karl's Mortgage Calculator?

http://www.drcalculator.com/mortgage/uk/
96Expired

5 year fixed mortgage @ 2.59 with £295.00 product fee 65% LTV @ nandp

7
Probably the best 5 years deal if you've got 35% deposit for new purchases or if remortgaging and your property less than 65% LTV Only •£295 product fee •Free valuation •Free legal fees for
vaniok Avatar3y, 4m agoFound 3 years, 4 months ago7 Comments
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I am interested in taking this deal, has anyone experienced their service??
They don't lend much though...
Part of YBS. The second highest society in the UK.
It is portable but my goal is to use the lower rate to ovepay and reduce my remaining term. They have charges for that which makes it slightly less appealing.
Fee is good but check the terms if additional tie in or overpayment restrictions. Check if portable also.
79Expired

Norwich and Peterborough Mortgage. 5 Year Fixed Rate Mortgage, 2.59%, 65% LTV. Free valuation and legal fees. £295.00 Product Fee.

10
Another cracking Mortgage deal from Norwich and Peterborough Building Society: 5 Year fixed rate; 2.59%; 65% LTV; Free Valuation; Free Legal Fees; £295 Product Fee. I know not for
grwill67 Avatar3y, 4m agoFound 3 years, 4 months ago10 Comments
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I am interested in taking this deal, has anyone experienced their service??
I started the ball rolling on this one seeing as the First Direct one has expired. Worth noting there is a £160 admin fee to pay if you decide to switch lender after the 5 year term.
I have just gone with the Tesco 2.49% fixed for 5 years, you need 40% deposit, £1500 fees, but you can overpay upto 20% of the balance each year without penalty, a good deal for overpayers
HSBC were doing a 5 year fixed at 2.95% with absolutely no fees recently, plus it's valid in Scotland.
For a five year fix that is a great rate.
56Expired

Norwich and Peterborough 5 Year Fixed Rate Mortgage 2.74%. 60% LTV. Free valuation and legal fees. £295.00

3
I feel that the time to switch to a fixed rate mortgage is approaching and I have found this pretty good deal from the Norwich and Peterborough Building Society: 5 Year fixed rate; 2.74%; 60%…
grwill67 Avatar3y, 5m agoFound 3 years, 5 months ago3 Comments
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What might be wrong with using a building society?
is it safe to have your mortgage with a building society?
Excellent deal, shame I am stuck in my current fixed deal for a couple more years or I'd be switching tommoz! ;-) lol
52Expired

N & P Gold Current Account Free Debit Card Use Abroad and Sentinel Protection

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I think this is a fantastic deal for using a bank card abroad. I have had an Norwich and Peterborough account for about 2 years now and have used it in various places in Europe, Australia, New Zealand…
rachelandgromit Avatar3y, 11m agoFound 3 years, 11 months ago7 Comments
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ash.connor
It's good but make sure you set up a weekly standing order of 1 pound going in and out so you don't get charged a 5 pound fee.

Yes, worth doing this if you go for the Gold lighter account where you need to make 5 transactions a month.
It's good but make sure you set up a weekly standing order of 1 pound going in and out so you don't get charged a 5 pound fee.
Seems like a good deal for those that spend time abroad.(_;)
I did think that but I know I can't ask to refer people on here! If anyone wants to give me any credit for posting this deal though feel free to ask me ..... it's only for accounts opened in person though, not online.

Edited By: rachelandgromit on Dec 29, 2012 15:53
Introduce a friend and you’ll each get £25!
If you’re an existing N&P current account customer then you’re already benefiting from the many great features of your account. Our great value current accounts cater for all of your everyday banking needs, with simple, transparent charges to make it easy for you to manage your money effectively.

Don’t keep it to yourself!
Recommend the N&P Current Accounts to a friend or relative before 31st December 2012 and once their account is open you’ll each receive £25. Simple as that!

http://www.nandp.co.uk/current-account/introduce-friend
-21Expired

N&P Classic Share Dealing Account - all online trades £8.95 with no management charges

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I already have an account with N&P and they have just launched a new account which offers share dealing at £8.95 online and £14.95 by phone flat rate with no management or inactivity charges. You have…
lunachunk Avatar5y, 1m agoFound 5 years, 1 month ago7 Comments
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The telephone dealing rate of £14.95 is exceptional value for a High Street organisation. For a £5k trade by phone Barclays charge £65, Lloyds £50, Natwest £50, RBS £50, Santander £30 and Halifax £25 and most of these sting you around £10 every 3 months if you don't place a trade. Voted hot !!!
I just use Betfair when I gamble.
x-o are jarvis, so I very much doubt they'll sell out, but you never know!

I think personally you are best to go with the company your happiest with. Jarvis is a company i've used extensively in the past, hence using x-o.

Regards
I am with svs securities. 5.75 per trade. First month for £1 per trade. No problems with them so far.
Yes - seen x-o does trading for £5.95 but its all online you can't phone deals which can be useful sometimes. I remember Hoodless Brennan and E-Trade knocking out cheap share dealing a while back but they are gone now. Guess x-o are trying to build market share before they too sell out.

N&P are merging with the Yorkshire BS on the 1st November so no danger of them going bust.
63Expired

Free "real"overseas withdrawals with N&P BS

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Hello all, as you know Nationwide used to have free cash withdrawals but now they charge (2% plus £1 per cash operation). Norwich and Peterborough Building Society (N&P) will launch a new debit car…
sconto Avatar5y, 11m agoFound 5 years, 11 months ago17 Comments
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meandmy2kids
if you have a mortgage or investment with santander you are entitled to the zero account and that debit card you can use free of charge anywhere in the world you just have to show £1000 running through the account each month.


Your joking, Santander are the biggest bunch of muppets going.

And yes I have an account and a credit card with them, and not just making spurious accusations.

They have been unable to process a Direct Debit from our Santander Current Acc to our Santander CC Acc in 6 months despite receiving numerous letters saying it was all setup and payment would be taken. It's now in the hands of the FSA. Their customer service is non existent, they can't communicate between departments and if unsure just tell lies to fob you off.

In the process of switching to First Direct, also opened this N&P account to take advantage of free overseas transactions to replace my Flex Acc. Cheers heat added!
Inactive
gretnaqueen
Go online or enquire at the post office. You can buy your currency at the post office with their credit card for FREE! No Charges, and you can use it abroad for free as well. Pop in to your local branch and ask to speak to their financial specialist or manager, I've saved loads.


You are dreaming if you think you can get a good deal at the Post Office.

They give an " exchange rate " that is very poor.

+1

although all high street rates are crap too
YEP,Sounds like Clarity is the best deal at the moment.wait Jan the sharks can just keep watching,some they may want their cut on the finance market,so they may come to compete with some good news,wait and see.
Santander good deal,free ATM if you do Spain.
YEP,Sounds like Clarity is the best deal at the moment.wait Jan the sharks can just keep watching,some they may want their cut on the finance market,so they may come to compete with some good news,wait and see.
Santander good deal,free withdrawal if you do Spain.
gretnaqueen
Go online or enquire at the post office. You can buy your currency at the post office with their credit card for FREE! No Charges, and you can use it abroad for free as well. Pop in to your local branch and ask to speak to their financial specialist or manager, I've saved loads.


You are dreaming if you think you can get a good deal at the Post Office.

They give an " exchange rate " that is very poor.
43Expired

Commission Free Share Dealing at N&P. Plus a chance to win a luxury Christmas Hamper

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Just spotted this on the N&P website. They are offering zero commission on all UK listed share purchases until the end of 2010. Plus you get a chance to win a luxury Christmas Hamper! New customers on…
lunachunk Avatar6y, 1m agoFound 6 years, 1 month ago4 Comments
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Excellent find - I wish there were more people here interested in the finances deals section :(
Perfect timing. Top find!
nice fIND will save me some £££££s - but prob wont get very hot!
great find thanks
49Expired

Norwich & Peterborough BS - 6 Month E-Bond paying 3.05% AER (£1,000 minimum)

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Looking to tuck your money away until the election's been and gone? This seems an ideal short-term investment and I haven't been able to find a better rate for such a short period. Minimum investmen…
joe public Avatar6y, 8m agoFound 6 years, 8 months ago12 Comments
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dannyschuster;8114222
I'd rather "invest" a few quid in a bunch of flowers. I reckon I'd get more than £15 back in kind :thumbsup:


:-D
I'd rather "invest" a few quid in a bunch of flowers. I reckon I'd get more than £15 back in kind :thumbsup:
what a waste of time saving is these days
joe public;8113551
You'll actually get £12 after Mr Darling's taken his 20% :-(


It's actually £12.20
cicobuff;8113505
So a £1000 investment would only give you £15 return in interest over 6 months? £2.50 a month interest?


You'll actually get £12 after Mr Darling's taken his 20% :-(
61Expired

6% savings account... recession beater !! Norwich & Peterborough BS £1.00

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When interest rates are so low, it's hard to find somewhere that pays anything like a respectable rate. These are doing a regular saver account, 3% fixed for 1 year, plus a 3% bonus (as long as you m…
scrimpersdelight Avatar7y, 9m agoFound 7 years, 9 months ago6 Comments
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adsldave;4506556
A good interest rate but a real shame that you can only deposit £3000 a year, Personally i opened a halifax fixed rate of 5% (for a year) & i can deposit £6000 a year in that account (£500 a month which results in £227 interest a year).

Not sure how you came to this interest figure, see info below copied directly from the Halifax website on this fixed term saving account:

For example - save £500 every month and earn £161.92 gross (£129.53 net) interest after 12 months

Better than most saving rates though but not as good as I first throught.

http://www.halifax.co.uk/savings/regularsaver.asp
Any limit on the number of accounts per person/household ;) ?
Good one to pay the child benefit into maybe?
A good interest rate but a real shame that you can only deposit £3000 a year, Personally i opened a halifax fixed rate of 5% (for a year) & i can deposit £6000 a year in that account (£500 a month which results in £227 interest a year).
csiman;4506043
Our range is designed for families with dependent children up to 16 years old (or 18 if they are in full-time education).


Oops, yes, meant to mention that bit... should still prove useful to many (assuming they have any spare dosh to save !!)
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