3 year fixed Rate Mortgage 1.64% - 65% LTV fixed until 31/07/18 £845 product fee
253°Expired

3 year fixed Rate Mortgage 1.64% - 65% LTV fixed until 31/07/18 £845 product fee

22
Found 9th Jul 2015
Undecided whether to go for a 2 year or a 5 year - so decided to look for a 3 year mortgage and this seems like a good deal for those with right LTV.
This has a good mix of low interest rate and slightly lower Product fee than the average on the market.
I presume the 5 year 1.99% HSBC deal has expired as I can't find it, so this is the next best for me, comments welcome

22 Comments

That looks like a cracking deal!

Yes, HSBC 1.99% is expired.

This deal is an excellent deal and beats the hell out of First Directs 1.89% rate - with a higher fee too.

Great. Heat

Be careful if you make an application to these guys.
They withdrew my mortgage without any discussion after I queried some details on my offer.
I lost the fees.
Not saying it is a bad deal (not voted) just a bit of advice, don't ask any questions!

I've just swapped to the 1.39% 2 yr tracker then 2.49 svr £1000 fee at Woolwich, not fixed but ill take the gamble! Lowest 'go to' rate on the market at the moment. 60% ltv.

that's a good deal, just a bit too late for me. have to stick with TSB from now which is 1.99% 3 years fixed....995 pounds of product fee as well.... oh well...
Edited by: "superivanho" 9th Jul 2015

I think I got mine just at the right time. 1.39% tracker as well but 495 fee and 1% cashback on payments (Santander). That started last week, but looking for a friend recently I couldnt find an equivalent deal.

I also remember the 0.99 from HSBC a few months ago, large fee but still a good option for larger amounts..

Not voted on this deal.
Edited by: "delusion" 9th Jul 2015

CrazyBob

Be careful if you make an application to these guys.They withdrew my … Be careful if you make an application to these guys.They withdrew my mortgage without any discussion after I queried some details on my offer.I lost the fees.Not saying it is a bad deal (not voted) just a bit of advice, don't ask any questions!



That doesn't sound right, I'd be on to the FCA.

Spent a good couple of hours on the phone with these guys arranging a mortgage. Everything was going great except right at the end they said my solicitor of choice wasn't on their panel and they could only lend me the money if I used a solicitor on their panel. Turns out the nearest one was 30 miles away in Norwich and after Googling it turned out to be one of these conveyancing factories - no thank you. I want to use my family solicitor that I have used for everything in my life and whom I trust, not some faceless, couldn't-care-less, conveyancing factory. Ended up going elsewhere for a mortgage. Good deal, but so you don't waste your time, check your solicitor of choice is on their panel right at the beginning of the process!

Awful building Society. Slow Customer Service and require a lot of paperwork. Make sure you check out early repayment charges as well.

You would be best served checking if brokers could beat this. checkout TCB or Quidco see if there's decent cash back deals also.

Year too late
I had a 2yr fix last year @2.4% with Halifax which runs out next April. Don't know what the rates will change to after that

How do the banks work out your LTV, I'm remortgaging and when I purchased the property 4 years ago my LTV was 80%.

zack100zn

How do the banks work out your LTV, I'm remortgaging and when I purchased … How do the banks work out your LTV, I'm remortgaging and when I purchased the property 4 years ago my LTV was 80%.



They do an independent valuation if they deem it required, based on your own valuation of the home. The valuation will include viewing your home, checking comparative homes and values,and also with local estate agents. Usually the lender will Cover the cost of this but not always!
Edited by: "delusion" 10th Jul 2015

Banned

Do youself a favour: avoid Yorkshire Building Society.
You have been warned

WillieGallimore

Do youself a favour: avoid Yorkshire Building Society.You have been warned



Avoid the airlines too!

youtu.be/6VL…BUg

We used them a couple of years ago when applying for our first mortgage, couldn’t have been happier with the service. Did it all in our local branch, was given a dedicated customer service rep who dealt with our entire case. All phone calls were answered quickly by the branch and passed through to our rep if she was available. If she wasn’t they noted our call and she always called back.

redarrowrules

We used them a couple of years ago when applying for our first mortgage, … We used them a couple of years ago when applying for our first mortgage, couldn’t have been happier with the service. Did it all in our local branch, was given a dedicated customer service rep who dealt with our entire case. All phone calls were answered quickly by the branch and passed through to our rep if she was available. If she wasn’t they noted our call and she always called back.

Same here I got a mortgage with them last year and we had one guy deal with the whole process. We didn't have a mortgage department at our local branch but he was in the next town over and was willing to travel to accommodate us if necessary. I thought they did an excellent job! I'm the kind of person that asks ALOT of questions too and he always replied swifty.

delusion

They do an independent valuation if they deem it required, based on your … They do an independent valuation if they deem it required, based on your own valuation of the home. The valuation will include viewing your home, checking comparative homes and values,and also with local estate agents. Usually the lender will Cover the cost of this but not always!

Thank you

Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no fees for 60% LTV - slightly higher than above deal but there are no fees to pay - may suit those with a smaller mortgage?

great deal!!

Original Poster

ran123ran

Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no … Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no fees for 60% LTV - slightly higher than above deal but there are no fees to pay - may suit those with a smaller mortgage?



Looks as though you have to be a nationwide current account holder for this deal - thanks for the suggestion though.
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