Mortgage Deals

Mortgage Deals & Offers

656 deals20,417 comments
Mortgage - Buy to let BTL 75% LTV 5 year fix 1.92% £2k fee from BM Solutions
-82°
Posted 1st JunPosted 1st Jun
SUPERB deal here, probably only through your broker, there are many brokers that will offer a free no advice service btw, i have one Product Name 1.92% 5 YEAR FIXED Product Code … Read more
Jameson98

Hhahahhahahah come on my friend , i agree renting services minimal value. But what do you think most of this society is based on Recruitment agents Estate agents How about the government departments that sell off UK prime land to foreign buyers who make multi million pound profits. Yet no one asks why the government could not have achieved this ? There are plentiful of jobs and organisation that are not value adding ......

wiv678

Rentier capitalism is a term used to describe the belief in economic practices of monopolization of access to any kind of property (physical, financial, intellectual, etc.) and gaining significant amounts of profit without contribution to society. A real job is where you create something useful for society. Capturing a property and then getting the tenant to pay your mortgage is not useful.

Jameson98

What do you mean ?

wiv678

Get a real job and let normal people buy the property

blinko

Well also before the changes BTL had more borrowing power. BTL had more purchase power than residential, now the new rules have come in its reduced it massively and reduced the profit too. Which in my opinion is the right thing to do. But ultimately the solution is for 1.government to stop propping up the housing market 2. Stop selling off land then foreign buyer comes along builds 10 x 1m flats , yet for some reason the government wasnt able to do this ? 3. Re balance the economy away from london.

1.49% HSBC 5 year 75% LTV fixed rate mortgage £999 fee
1389°
Posted 31st MayPosted 31st May
Great 5 year fixed rate 75% ltv mortgage from HSBC imo. 10% annual overpayment allowance and zero exit fees which is always a good plus. Hope it helps someone (y) 😁 … Read more
Get deal*Get deal*
Jameson98

Very good deal thank you

ec9wrr

Plus add any exit fees plus compare capital paid off over minimum term.

tomwatts

We're pretty much stuck with Nationwide for our mortgage as HSBC said they were unable to arrange a suitable valuation for our property and the LTV they were willing to offer us was WAY under what we've already got with Nationwide. (HSBC said house is worth 180, Nationwide say 210)... Anyways, after a bit of digging, Nationwide are the exact same price so will be arranging a new mortgage deal with them - I've been hunting for 5 year fixes for the past few days and the only other option that is close in terms of the whole package is First Direct, who work out £200 or so cheaper over the 5 years with their £490 fee, 1.59% mortgage, but the faff of switching to save £200 isn't worth it currently.

Ed_Kavanagh

House price crash? % of 3million cash rich HK citizens incoming? Demand thru the roof? All I know is whatever we predict will definitively be wrong and the predictions thats are definitely going to be right will be even more wrong.

bobothebear

How soon before your 5 years is up can you remortgage with no penalty? Am with Halifax and will hit 5 years in March. Even the SVR is less than what we're on at moment!

5 Year Fixed Rate RBS Mortgage - 1.21% 75% LTV - No booking fee @ Fluent Mortgages via Moneysupermarket
1078° Expired
Posted 29th MayPosted 29th May
My first post so please bear with me. I was just checking moneysupermarket for some of their mortgage offers given that interest rates have been lowered and came across this 5 ye… Read more
Anon32

HUKD are the most corrupt advertising website I’ve seen. I’m sure when you promote mortgages and get paid you’re meant to be licensed through the FCA. Anymore of this nonsense and I think a report should go in.

Th3.Ripper

It's still there for me

VivianDooshley

Vanderlust

What happened with this, deal's definitely not legit?

Bigfootpete

That RBS site is really really awful. I tried to look for their mortgage deals and you have to jump through hoops and fill in details that I don't want to provide just to see what they have, not user friendly...

Nationwide 5 years fixed rate mortgage - 1.49% - £999 booking fee - 75% LTV @ Nationwide Building Society (Existing customers)
1220°
Posted 29th MayPosted 29th May
Today Nationwide lowered most of its mortgage rates. Just got this same deal at 1.59% a couple of weeks ago so I thought this is a great deal! Please mind that going for a feefree… Read more
Jijin2

Exactly same situation and I got exactly the same answer. I'll just leave June with no fixed rate and start from July.

pj019

This product was released on 29th May. I had a fixed term coming to an end, and am eligible to switch from 01 June. Nationwide advised that the earliest this new rate could start would be 01 July because they wouldn't have enough time to process it for 01 June. Has anyone else encountered this or similar? If so, what was the result? Hot for the product. Less so for the service that goes with it.

pihunter

im also looking at winning the lottery soon...... ya pays your money ya takes your chances (y)

Dadlet

Iver been in the market for a new mortgage - Initially went enquired with nationwide..what a joke - the 'advisor' was useless and took nearly 30 mins yto get my basic address details input! I gave up in the end. Also agree that those adverts are so bad that I really didnt want to give them 1st shout but rates seemed good. Anyway after that awful 1st customer interactoion experience i went and applied elsewhere, awaiting a decision ( now 8 days at the underwriter!) but they are making me jump through hoops on the application despite having a 65% LTV. Guess this backs up some of the comments in this thread.

jameswalker457

Left NW after pulling all their savings products ..... Shame!

Barclays - 2 Year Fixed Mortgage 1.45% £299 Fee
500°
22/06/2020 at 11:43Expires on 22/06/2020 at 11:43Posted 22nd MayPosted 22nd May
Good for anyone one who dont want to commit for 3-5-7 years & need to remortgage soon. Although the interest rate meant to be dropping right down imo its gonna stay down when i… Read more
Get deal*Get deal*
davidridge1

It’s Barclays.

thriftybugger

Cold rip off considering current BOE rates and market conditions

nightsmile

Mortgage is better at low interest rates XD XD

MrPeteBruce

Exactly. Need to remortgage soon otherwise will pay high interest rate.

Dylan1357

Yes, by remortgaging while interest rates are low to secure a cheaper monthly payment.

Barclays 7 year fixed mortgage - 1.69% - £999 booking fee - 60% LTV @ Barclays
1948°
Posted 22nd MayPosted 22nd May
If anyone is in same boat as me where you’re waiting for the mortgage interest rate to go below 1% but at the same time not 100% sure of the job security above 7 year deal from Bar… Read more
getmore4less

it has been said already but needs saying again and on nearly every mortgage deal The following in the deal header is wrong for the reasons already highlighted the amount owing at the end of the fix. Different rates pay off different amounts of capital (you can make it the same by fiddling with the payments) How to compare mortgages To calculate the total cost of a mortgage deal. You can do this by adding together the total monthly payments over the fixed period (7 x 12 = 84 payments in this case) then adding any product fee minus any cashback.

ec9wrr

Totally.

getmore4less

Many lenders let you lookup the broker options on the web. There may be some specialist deals that are only done through the broker network some lenders it will be a few products, for a lot of borrowers there may be no difference Some it is on just about every deal the brokers get a better rate or other incentive.. As a clue brokers are known as intermediaries. if you know roughly what you want/need it does not take long to filter the main lenders for whats out there. and do the like for like comparisons to see which is cheapest and by how much. You can then look at the more critical stuff like, follow on rates, overpayment limits/ERC, retention deal history, LTV boundaries...

Mr.Bananas

1.69% 5 years fixed with no £999 arrangement fee is a better option !

c58

You're bouncing from blaming "boomers" for your plight to the conservative party, then blaming empty housing stock and then the gig economy... you really do need to compose your arguments better. Empty houses dont mean a lack of supply, if you are using London as an example then the vast majority of the empty housing stock you refer to are owned by foreign buyers who for years have been using property as a way of hiding / investing (delete where appropriate depending on how pessimistic you are) funds. there was independent research done a few years ago (apologies for not finding it but cant be bothered to search) they estimated 22% of all privately owned property in central london was owned by foreign buyers or by offshore trusts. Again this has nothing to do with boomers, just wealthy people but in my opinion it is why London property prices are so high, wealthy foreign investors buy, meaning local people are forced to buy the next best and so on meaning prices are high but while there is demand for property this will always be the case, this is happening worldwide though as we all live in a free market. New Zealand, last year I believe, took the approach to ban foreign investors as homes in Auckland were now on average the highest in the world at over £1million so clearly others have it worse than we do. Again going back to my original point, you should stop being so self entitled and blaming people who you feel had it better than you, sure property was cheaper if you were born 30 years ago but there are loads of things that aren't better, chances are if you were born 30 years ago, you'd have been less likely to have a job, if you did and managed to buy a house you would have probably had to give it back when interest rates sky rocketed and no one could afford their homes. Assuming you got through that and you had some spare money and fancied a holiday, you would have had to pay on average the same amount we do to travel to australia just for a flight to Spain, oh and you would live at least 10 years less. All perspective I guess but theres never been a generation as lucky as us so quit being so negative and cheer up, your life will be loads better if you are more positive :D

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HSBC 5 year fixed mortgage - 1.39% - £999 booking fee - 60% LTV @ HSBC
1380°
Posted 21st MayPosted 21st May
HSBC now have a 5 year fixed rate mortgage with a 1.39% rate and £999 booking fee wih 60% LTV. This maybe of interest if you are up for renewal, with a higher level of equity and l… Read more
KingBob72

I had a look through all the banks yesterday and 1.39% over 5 years is the lowest rate I have found, but remember the £999 fee. FD is 1.49% with a £490 fee and HSBCs 1.59% is the lowest I have found without a fee. Happy to be told otherwise because I am about to pull the trigger on the 1.59% deal

thedarkkngiht

is this the best 60% LTV mortgage around so far? Comparing it to the Santander/First Direct ones

MHawkEye

I thought about doing the same too. But mortgages are so cheap now (and getting even cheaper!) that I figure it's better to keep paying the mortgage at about 1% interest and invest the money that would have paid off the mortgage into the stock market. Only have to make more than 1% per year and I'm better off. Average returns have been over 10% a year for as long as I can remember.

asc1991

There's good deals on higher LTV, but the lower the LTV the better the deal, always.

Rabbit_Exorcist

2 years fixed mortgage 1.19% with £999 product fee 60% LTV existing customers @ Nationwide
576°
Posted 18th MayPosted 18th May
Only available to those already with Nationwide and remortgaging. 60% LTV May be of use to some like me who's deal is coming to an end and not wanting a longer fix.
Ghulam35

This is going down to 1.14% tmrw and the no fee is going down 1.44%

getmore4less

As with a lot of mortgage deals on here you get loads of the fees not worth it without any calculations... done a wee spreadsheet(just knocked this up so not cross checked the answers yet) for a given rate and fee the break even rates and amounts for a matrix of values of rate difference and mortgage amount for a range of terms based on the monthly payment of the fix rate with fee which is close enough for this exercise. for this 1.19% £999 fee 2 year fixed term (formatting is rubbish can you do tables here?) Mortgage amount break even rate Full term £50,000 £100,000 £150,000 £200,000 £300,000 5 2.449% 1.816% 1.606% 1.502% 1.398% 10 2.315% 1.749% 1.562% 1.469% 1.376% 15 2.276% 1.730% 1.549% 1.459% 1.369% 20 2.258% 1.721% 1.543% 1.455% 1.366% 25 2.247% 1.716% 1.540% 1.452% 1.365% 30 2.240% 1.712% 1.538% 1.450% 1.364% rate difference break even mortgage 0.10% 0.20% 0.30% 0.40% 0.50% 5 £621,402.08 £310,499.14 £206,864.93 £155,047.90 £123,957.75 10 £555,640.58 £277,599.60 £184,919.38 £138,579.35 £110,775.40 15 £536,724.67 £268,135.68 £178,606.13 £133,841.44 £106,982.69 20 £527,756.36 £263,648.61 £175,612.81 £131,594.99 £105,184.37 25 £522,529.74 £261,033.59 £173,868.31 £130,285.76 £104,136.29 30 £519,112.37 £259,323.76 £172,727.67 £129,429.71 £103,451.00 For a nationwide borrower with the no fee fix at 1.69% (+0.5%) the break even is as low as £105k with a term 20 years or longer.

djames108

Looks like a good deal for 90% (y) Just be careful not to end up with negative equity

Daz555

Economy is about to crash and we could be in recession or even depression. I can't see interest rates going up any time soon.

seckinboy

I don’t know much about mortgages but I just purchased my first home, 90% loan, 1.84% interest fixed for 2 years. £999 fee although they are paying me back £500. Can anyone let me know if this was good for a first one buyer? And what I should do end of the 2 years?

Leeds BS BTL 5Y FIXED 1.79% 60%LTV £999 Fee
-259°
31/07/2020Expires on 31/07/2020Posted 17th MayPosted 17th May
5 Year Buy To Let Fixed Rate Mortgage RATES CORRECT AS AT 12 MAY 202 Initial rate 1.79% Fixed up to and inc. 31/07/2025 ADDITIONAL FEATURES Interest calculated daily. Maximum … Read more
bagga212

Quit while your ahead. All the good stuff is snapped up b4 auctions starts. If your in the trade you will know what I mean. Traders have relationships with others in the trade where houses change hands at competitive prices. Auction is odd ball properties no trader wants

blinko

ahh ok , I'm interested in going to auction but i've never bought there before , would you have any recommendations on how to get started ?

SqueakyWalker

Used to. But my regional auctions have become flooded with people suffering from Auction Fever in recent years. As such the ‘bargains’ of old are less frequent. Nowadays I rely on standard listings and make offers where I see value. Typically I get 1 in 10-15 offers accepted.

bagga212

Yes on ebay

blinko

DOes anyone here buy at auction

2 Year Fixed 60% LTV Repayment Mortgage 1.34% ( plus £490 Booking Fee) @ First Direct
348°
Posted 16th MayPosted 16th May
A 2 year fixed mortgage with First Direct with 60% LTV is 1.34% with £490 fee. Thought it might be of use to a few people.
getmore4less

There are loads of threads on moneysavingexpert mortgage forum dealing with this complication.

thriftybugger

I got this rate 6 months ago, shame they haven’t lowered the rates after BOE lowered them

Matthew_Rich

Just don't pay the last penny

hassanfarook

Hi guys any help with this. I want to buy my parents house from them and we all live in the same house. Which mortgage lenders allow this . I have only come across HSBC that allow this. Any help will be appreciated. As my parents mortgage for the house are paying 6% interest so that's why I want to buy it from them

Bash_er

Incorrect. Mortgage is fully portable to a new property without penalty.

First Direct - 1.59% 5 Year Fixed 75% LTV Repayment Mortgage (+£490 fee)
1209°
Posted 16th MayPosted 16th May
A great 5 year fix from FD @ just 1.59% with those on a 75% LTV or better. No exit fees plus porting allowed and unlimited overpayments. Link takes you straight to the mortgage det… Read more
Get deal*Get deal*
Maleficent

You would be quicker phoning to describe your circumstances and ask.

giridhart

Does Firstdirect give help to buy equity mortgage?

tek-monkey

As I understand it a bank would never offer a mortgage at a negative interest on an asset that is likely to crash in value, it means they always lose? House prices are too high, but tenancy laws too unfavourable to all rent like many European countries.

booboobeaker

https://www.theguardian.com/business/2020/may/20/uk-sells-government-bond-with-negative-yield-for-first-time-coronavirus

Maleficent

Six months.

First Direct 5 year fixed mortgage - 1.49% - £490 fee - 60% LTV @ First Direct
1387°
Posted 14th MayPosted 14th May
A great 5 year fix from FD @ 1.49% with those on a 60% LTV or better. No exit fees plus porting allowed and unlimited overpayments. Link takes you straight to the mortgage details … Read more
Get deal*Get deal*
HapyDapyDoo

Santander have a tendency to use online valuations, certainly for remortgages.

jakeyjakey

I am currently in process of mortgaging with nationwide. They said they are still doing some desktop valuations (online) as they only started visits last week or so. Said mine could be either.

emsabobs

Thanks. I’m with Santander at the moment so as a new customer I imagine I’d need a valuation.

Lefty

I think you can use zoopla and the like online to get an idea. Lots of online free valuation sites. I renewed with first direct and they used an online valuation

emsabobs

Thank you, I just more meant, how will I know what my house would be valued at? I haven’t a clue.....

Santander 5 year fixed mortgage 1.44% & £649 booking fee - 60% LTV - inc free valuation & legal fees @ Santander
1237°
Posted 13th MayPosted 13th May
Spotted that Santander have added a 5 year fixed mortgage of 1.44% with 60% LTV and £649 booking fee, 5bps lower than the previous offer. This is specifically for remortgages and o… Read more
gd_miester

As I was anticipating, Nationwide have now lowered their rates, if not too late you should take another look. For my borrowing amount (180k mortgage 25 years remaining) it now looks best for me to go for the 2 year fee free 1.44% (providing interests rate don't shoot up after 2 years). The 5 year rate is now 1.34% + £999 fee.

thriftybugger

Denmark has seen negative rates mortgages for an year now. But you are right the government might chose to have some other form of negative rates. For e.g. help to buy is a form of negative rate where consumers are incentivised to buy property. The only difference is negative mortgage rates incentivise the consumer directly without middleman like the construction company. But in UK since most policy makers are also shareholders of house builders they tend to follow policies to their advantage.

MrPercent

Yeah - And there is precisely ZERO chance that lenders will pass that onto retail consumers - BoE will offer -ve (short term) rates to the wholesale market... i.e. Banks

peddy

If we weren't looking to move in the next couple of years I'd be going for this.

ashraf86uk

Agree when I took the fixed 1.99 for 5 years there was no fee now it’s hard to get a no fee mortgage

2 Years fixed rate Mortgage at 1.44% @ 60% LTV - TSB Bank- No Fee
518°
Posted 12th MayPosted 12th May
2 Years fixed rate at 1.44% - TSB Bank With a posibile cashback for existing customers. 2 year fixed rate Mortgage payments stay the same during the 2 year fixed-rate period so the… Read more
Get deal*Get deal*
rmarshall1973

I know no one has a crystal ball but... I would have thought two years would be lower than this now when five years are around the same with a very small reservation fee.

Willy_Wonka

Because it is for anyone who has 60% LTV or less. Cannot imagine most new buyers having a 40% deposit.

fluffycupcake

explain?

jp2016

No wonder you don’t have a mortgage with comments like this (lol)

fluffycupcake

These are first time mortgage rates too are they not? I meant waiting for house prices to fall before buying a property.

Nationwide 5 year Fixed Mortgage - 1.59% - £999 booking fee - 75% LTV @ Nationwide
1761°
Posted 12th MayPosted 12th May
My term was ending by the 31st of May, some may argue that interests rates may go down further but I thought it was a sweet deal considering HSBC requires 60% LTV to match the same… Read more
Get deal*Get deal*
stefanjulia

Hopefully this arrangement fees will be refunded the same as PPI at some point. It is insane to pay interest and arrangement fee, what is the service for the arrangement fee?

getmore4less

If you want to compare properly by paying the fee up front you have to take the fee off the mortgage without the fee. if you don't make the payment the same you have to account for the costs/savings of the difference in payment by making an assumption like what the interest rate will be easier to just make the payments the same to get the base result then decide if there are better options like saving or the preference to have a smaller payment and spend it. You can then work out the true cost of not paying down the mortgage once you have the comparison of the no fee/fee for a level of borrowing that is like for like you an then decide if the money in the bank is preferable even though it will cost you once you decide what borrowing you need and the monthly payment It does not matter how you wrap it up the comparison to see which is cheaper is X against X+fee with the same monthly payment Want more money in the bank at the start borrow more. Want a smaller payment make the term longer or just decide how much you need and what payment you want then do the comparison. then work out what term is needed to get the payment you want. Anyone planning to overpay should use the planned payment not the contractual payment

jakeyjakey

Bit confused. The savings you get from paying the upfront fee ARE the monthly difference so why would you make the payments equal? whag have I missed to give different outcomes? Also I think you’re assuming someone could pay down the 999.99 upfront on the higher rate though if they’re going for the higher interest it might be because they can’t do that.

biketime08

I think these deals are ok if you have a big mortgage. The Nationwide have a really simple mortgage calculator just for the figures. But people are right often the fees wipe out the benefits of the lower rate. Especially if you have a relatively small mortgage. Easy to check.

getmore4less

The simple way to compare is to add the fees and make the payment the same and see whats left. that's 2 calculations in any simple mortgage calculator that lets you set the payment. If you just do the regular mortgage you have to take account of the difference in payment and the fee in some way. You may have a better savings rate or just want to spend it. Taking the example above using the MSE calculator and doing it taking account of the fees and payments. £100k 20y 1.44% £999 fee V 1.69% £0 fee amount.........rate.....payment.owing.........interest.....total cost...total payments £100,000.00 1.44% £479.79 £77,630.31 £6,417.77 £7,416.77 £29,786.46 £100,000.00 1.69% £491.33 £78,072.03 £7,552.02 £7,552.02 £29,479.99 that shows the fee has amount owing £442 lower, interest £1134 lower cost lower by £135 payments out(Inc fee) higher £307 NET £135 Then add the fees so the cash position is the same at the start(MSE does this). amount.........rate.....payment.owing.........interest.....total cost...total payments £100,999.00 1.44% £484.58 £78,405.84 £6,481.88 £7,480.88 £29,075.04 £100,000.00 1.69% £491.33 £78,072.03 £7,552.02 £7,552.02 £29,479.99 amount owing £334 more, interest £1072 lower cost(with fee) £72 less, payments out £405 lower NET £71 then make the payments the same(cash flow now the same for both just look at whats left.). amount.........rate.....payment.owing.........interest.....total cost £100,999.00 1.44% £491.33 £77,986.22 £6,467.21 £7,466.21 £100,000.00 1.69% £491.33 £78,072.03 £7,552.02 £7,552.02 NET £86 (the numbers are a bit different to MSE because it depends on any rounding and exact parameters into the functions uses.) Once you have the relative costs for each option you can consider other factors like interest rates on savings, having the lower payment. Also paying the fee up front or not makes a small difference as it is just the same as overpaying by £999, all you are doing is borrowing less and the savings go down a bit. amount.........rate.....payment.owing.........interest.....total cost £100,000.00 1.44% £486.42 £77,217.86 £099,001.00 1.69% £486.42 £77,292.09 NET £74

HSBC 2 Year Fixed Fee Saver Mortgage @ 1.49% - no fee @ 60% LTV
511°
Posted 10th MayPosted 10th May
60% Maximum Loan to Value (LTV) Mortgage Initial interest rate* Followed by a Variable Rate, currently* Initial interest rate period* Overall cost for comparison (APRC)* Boo… Read more
Get deal*Get deal*
Dog_Man

OK thanks James. Its not worth getting a buy to let mortgage tho seeing as though I wouldn't be making buy to let money on the property lol. My parents would be living there I would be just going onto mortgage but without living there.

kidrock123

Very nice but could do with them being fixed for a longer initial period……

djames108

You cant have 2 residential mortgages Unless you have permission to let on the first and are not living in it most lenders then will then allow a 2nd residential mortgage

sasuke0

There's a huge knock on effect, you've got international students not coming over either along with Airbnb cutting their staff by ~25%, the tourism market got hit hard. Which also means landlords aren't getting the income they once had.

Dog_Man

Hi could somebody advise me. I'm wanting to go onto my dads mortgage to release some equity which will help me move into a bigger property. So basically I'm going to have 2 mortgages in my name. Will that be an issue with the lenders as long as I can show affordabilty of course. I want to do the RM shortly and take advantage of the low rates

First Direct 2 Year Fixed Repayment Fee Saver Mortgage 1.54% (60% LTV) @ First Direct
299°
Posted 10th MayPosted 10th May
Thought this was a decent deal for anyone who is looking for a mortgage or to remortgage. Available to new customers and existing customers.
c58

Really? That's interesting, I've genuinely never heard of a mortgage being offered without an in person valuation being done.

ec9wrr

It may depend on loan size? I moved house before the virus and both my sale and purchase were desk based.

toxicsalt

No longer the most popular bank. It’s dropped it’s position and has bad ratings nowadays.

c58

Interesting, I guess as it's a remortgage they were happy doing the desk valuation but I think youd struggle if you were a new purchase, I've not heard of desk based valuations before but I guess all they're going off would be house prices in the area. Glad to hear you managed to lock into a deal you were happy with though (y)

rodman

well done 8)

Halifax 5 year fixed mortgage - 1.56% (no fee). Existing customers! Plus other reduced deals
2089°
Posted 7th MayPosted 7th May
**Further reductions landed 1st June!** Halifax have SIGNIFICANTLY reduced their product transfer rates for existing customers on their standard variable rate (or those approaching… Read more
Get deal*Get deal*
gallopingbanker

I’ve not had a proper look but did notice the direct 3 year <60% (over £100k) has dropped to 1.49% so I updated in the description

Thriftyswifty

Any sign ? I looked on the intermediary site but didn’t see much different

nkelly1994

How do you know more reductions are coming on the 1st? Thanks

gallopingbanker

Reductions possibly across all (or just some of the range). Chances are <£100k will be reduced but I anticipate still more expensive than >£100k rates.

1616french

For people with over £100k mortgages only though :/ ???

Santander 5 year fixed mortgage 1.49% & £649 booking fee - 60% LTV - inc free valuation (& legal fees paid for remortgaging) @ Santander
927° Expired
Posted 4th MayPosted 4th May
Santander have a 5 year fixed mortgage of 1.49% with 60% LTV and have reduced their booking fee to £649 (previously £999). If you are remortgaging then also includes free valuation… Read more
Stephen_petrou

Thanks for the great offers everyone, mines up for renewal Jan 2021 , when's the best time to look. Owe around 40 thousand on a 200 thousand house, what type of deal is best regarding with or without a fee. Many thanks in advance

edwardo1973

Forget getting a broker when you have HUKD!

amjidkhan

Try Cahoot.

ukhotdeals.

Anyone know we’re I can get a good personal loan from I wanting to do my full home for improvements around 20k

Grahamdue

Yes, I had an existing mortgage with them and was within 4 months of end of deal.

HSBC 5 year fixed mortgage - 1.59% - no booking fee - 60% LTV @ HSBC
2537° Expired
Posted 1st MayPosted 1st May
Spotted that HSBC have reduced some of their 5 year fixed rates mortgages. This maybe of interest if you are up for renewal, with a higher level of equity and looking for a longer … Read more
Get deal*Get deal*
Broadsword

So nothing happened yesterday on the 2nd but it did this morning. To switch online you need to do a switch rate application, choose the deal and continue with the application until it shows the start date. It now gives the option to change the start date from today until 1st September. Change it to then and the ERC is removed. Not sure why this is expired as it’s still active.

christopherbridg

Whatever browser (or computer ) I use, when going through the application and on opening the "Key facts" document fails stuck on "Your document is now loading...", it's been like that over a week. Doubt it is my router.

Stephen_petrou

Many thanks

V12_PHEV

You can usually apply three months in advance. For such a low amount usually the no fee option..

Stephen_petrou

Thanks for the great offers everyone, mines up for renewal Jan 2021 , when's the best time to look. Owe around 40 thousand on a 200 thousand house, what type of deal is best regarding with or without a fee. Many thanks in advance

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    Tip 1 of 6
  2. Comments

    Read what other members have to say about a deal and share your own opinion.

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  3. Add Deal

    Have you found a good deal yourself? Share it here and other members will vote on how hot the deal is.

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  4. Deal Link

    If you think a deal is hot, click through to the shop to snap up the deal before it’s expired.

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  5. Layout

    Find here other ways to view the deals. You can view it in either grid, list or text only view.

    When clicking this gear icon you can find other ways to view the deals. You can view it in either grid, list or text only view.

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  6. Main Menu

    Through our main menu you can navigate to certain categories or shops you are interested in.

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