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Reasonable Remortgage with Halifax
Reasonable Remortgage with Halifax

Reasonable Remortgage with Halifax

Buy forBuy forBuy for£999
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Found this and thought of you...

Low start fixed rate remortgage deal is available to everyone switching from another lender and offers low fixed rate for the first year and then a competitive rate for the second and third year.

Start rate is 3.99% until 30th April 2009, followed by a 5.99% until 30th April 2011
Followed by the standard variable rate for the rest of the mortgage term (currently) 7.25%
The overall cost for comparison is 6.9% APR

£999 product fee

Available to remortgage customers switching to Halifax, borrowing up to 75% of the property value

Maximum loan £500,000

Early repayment charges apply before 30.04.2011

Latest completion date 31st August 2008

6 Comments

:thinking:Come on!

See agood mortgage broker.

Woolwich do a remortgage for .59% above BOE i.e. 5.84%

You don't have to pay £999!

You don't have to pay valuation fees!

You don't have to pay solicitors fees!

I'm really thinking of you! :thumbsup:

I've just seen a very nice IFA, who recommended this 3 year fixed rate deal:
£999 arrangement fee
No Solicitor's fees
No valuation fee
4.99% fixed for 3 whole years!!
It's with the Yorkshire Building Society, seemed to be the best fixed rate deal I could find!!

jellybean78;1585313

I've just seen a very nice IFA, who recommended this 3 year fixed rate … I've just seen a very nice IFA, who recommended this 3 year fixed rate deal:£999 arrangement feeNo Solicitor's feesNo valuation fee4.99% fixed for 3 whole years!!It's with the Yorkshire Building Society, seemed to be the best fixed rate deal I could find!!



More info on that here. Does seem pretty good, if I can get it! 25% deposit required.
ybs.co.uk/mor…jsp

I have commercial buy to let mortgages that are fixed at 5.99 with only legal fees - no valuation fees and no lenders/agents/arrangement/paperwork/con/your-money-is-really-ours fees!

Depends on how long you want to tie in for knowing exactly how much you are going to pay and whether you think over the period in question the interest rate is likely to be.

E.g. the 10yr fixed at ybs is 5.39%. So do you think over the next 10yrs you are likely to pay more or less than that on average switching around on shorter fixed rate deals???


Other thing to note is don't just go by the fixed rate or the arrangment fees. Its the cost per month during the fixed period that matters. E.g. mortgage I currently have I hd the choice of Arrangement fee and a lower interest rate or Slightly higher interest rate and NO fees. In my case once the total cost of the arrangements fees and monthly payments were added together the total outlay over 3yr period was more for the one with the arrangement fees even though it had the lower interest rate over the fixed period. It could be the other way around though so always check.

Never pay any fee, especially the rip off arrangement fee :x
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