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EXPIRED - 2 year Tracker mortgage 1.99% above base rate = 3.99% @ Nationwide.co.uk


1°

FOUND BY: HARRIA01 11 months, 2 weeks ago

STARTS: 05/12/2008   

Reservation fee only £299
If the Bank of England Base rate is 1% or less during the tracker period, the rate you pay will be 1% plus the agreed set percentage above the Bank of England base rate. This means that the rate you pay will never go below 1% plus the additional percentage rate of your tracker mortgage. This is known as the tracker floor.

my fixed of nearly 6.5% isnt up until sep09 else i would of gone with this.

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#2

05-12-2008, 20:17
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Good deal. Don't think there's many other offers like this at the mo. Probably won't be around long as economists are predicting that interest rates could fall to 0% next year.
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#3

05-12-2008, 20:22
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Why do you not buy yourself out of your fixed rate and go for this?


http://www.fsa.gov.uk/tables/
for best rates
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#4

05-12-2008, 20:23
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Minimum deposit of 40%
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#5

05-12-2008, 20:24
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And I signed up to a 2 year fixed deal with Nationwide 2 months ago at 6.2%.

NOOOOOOOOOOOOOOOOOOOOOO !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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#6

05-12-2008, 20:32
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But when interest rates rocket in 10 months time .... not so clever.
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#7

05-12-2008, 20:35
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seems ok , shame about the stop when hits 1% ...

HSBC is a similar too
http://www.hsbc.co.uk/1/2/personal/m...31kV:11j74l29q
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#8

05-12-2008, 20:56
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mullerman:
But when interest rates rocket in 10 months time .... not so clever.
What makes you think that will happen. All indications are that rates are going to be low for some time to come. If rates did start to creep up, all you do is jump over to a fixed rate.
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#9

05-12-2008, 21:13
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el-beatle:
What makes you think that will happen. All indications are that rates are going to be low for some time to come. If rates did start to creep up, all you do is jump over to a fixed rate.
The indications are not there to say that rates will be low for some time! Any further decrease will have a significant effect on savers. The cut in rates have had very little effect so far as the banks are reluctant to pass on the cuts especially on new deals as they will end up losing money on them.
Rates have to go up in order to maintain the 'status quo' of the financial market. It is a tad naive to think that rates won't go up. In fact, its almost like saying there will be no more boom and bust, or house prices will never go down . Nine - twelve months until the first interest rate rise I believe which will coincide with a near bottoming out/correction of the housing fall ( aprox 15-22.5% more to go to 2002-2003 prices).
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#10

05-12-2008, 21:14
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Waterboy8535:
And I signed up to a 2 year fixed deal with Nationwide 2 months ago at 6.2%.

NOOOOOOOOOOOOOOOOOOOOOO !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


I signed up to the 10 year fixed with them at 4.9% in October... did you not get offered that??

Fee free too
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#11

05-12-2008, 21:47
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Great deal
Last edited by Marina : 05-12-2008 at 21:57.
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#12

05-12-2008, 21:53
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Not as good as my current tracker, .36% below BofE base rate, currently 1.64%!
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#13

05-12-2008, 21:56
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A year ago they were offering 0.07% BELOW base rate on up to 85% of valuation.

Still a good deal compared with others' current offerings though!
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#14

05-12-2008, 22:23
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gdowsett:
Not as good as my current tracker, .36% below BofE base rate, currently 1.64%!
Who is that with?
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#15

05-12-2008, 22:46
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Benjimoron:
Who is that with?
Possibly Nationwide? I think they did one at that sort of rate if you paid a fee of about £1k up front. Had to be a pretty big mortgage to make that sort of fee worthwhile.
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