[Finance] Is your Mortgage rate ending this year ?

Oscar

Well-known member

Nov 10, 2003

3,850

• Jan 16, 2024

• #21

Great thread @Uncle Spielberg . Our fixed rate with Nationwide is up in March but they don't seem to have reflected the latest round of interest rate cuts. Not sure how long to hang on or how long to fix for when we do go for a new deal.

 

L

luge

Well-known member

Dec 18, 2010

508

• Jan 17, 2024

• #22

Oscar said:

Great thread @Uncle Spielberg . Our fixed rate with Nationwide is up in March but they don't seem to have reflected the latest round of interest rate cuts. Not sure how long to hang on or how long to fix for when we do go for a new deal.

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Go find a new rate elsewhere.

Staying with your current provider is only really worth it if you have a change in circumstances that will affect you negatively - a loss of job, or a change in earning circumstances (you / your co applicant have gone freelance and don't have books to show) - you usually face fewer checks on a renewal. But you will get a better rate looking around.

Mortgage Brokers are definitely worth their money in this tougher market.

 

The Andy Naylor Fan Club

Well-known member

Aug 31, 2012

5,147

Right Here, Right Now

• Jan 18, 2024

• #23

luge said:

Go find a new rate elsewhere.


Mortgage Brokers are definitely worth their money in this tougher market.

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Absolutely this. @Uncle Spielberg has been dealing with our mortgage renewal that is coming up soon, and is constantly checking the markets and getting us a better rate. He is very competitive with the fees he's charged us and I highly recommend him.

 

B

Billy the Fish

Technocrat

Oct 18, 2005

17,503

Haywards Heath

• Jan 23, 2024

• #24

Oscar said:

Great thread @Uncle Spielberg . Our fixed rate with Nationwide is up in March but they don't seem to have reflected the latest round of interest rate cuts. Not sure how long to hang on or how long to fix for when we do go for a new deal.

Click to expand...

I'm in the same boat, check it now

 

zeetha

Well-known member

Apr 11, 2011

1,315

• Jan 24, 2024

• #25

Can't recommend @Uncle Spielberg enough. Hes currently sorting out our mortgage that was in two parts with different fix ending dates and getting us a good rate at the same time, and all done quickly. Thank you!

 

Uncle Spielberg

Well-known member

NSC Patron

Jul 6, 2003

42,821

Lancing

• Jan 31, 2024

• Thread starter
• #26

This thread is sliding off now. Thanks for all the interest and messages. Here to help always. US/GG

 

A

amexer

Well-known member

Aug 8, 2011

6,217

• Feb 1, 2024

• #27

What about buy to let deals

 

Uncle Spielberg

Well-known member

NSC Patron

Jul 6, 2003

42,821

Lancing

• Feb 1, 2024

• Thread starter
• #28

Yes I can help with buy to let mortgages please send me a pm

 

Wilko

LUZZING chairs about

Sep 19, 2003

9,924

BN1

• Feb 3, 2024

• #29

Uncle Spielberg said:

This thread is sliding off now. Thanks for all the interest and messages. Here to help always. US/GG

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Unc- quick question- my fixed rate ends in December, how do I find out what my repayments would be were it to come to an end tomorrow for example? TIA

 

Uncle Spielberg

Well-known member

NSC Patron

Jul 6, 2003

42,821

Lancing

• Feb 3, 2024

• Thread starter
• #30

Wilko said:

Unc- quick question- my fixed rate ends in December, how do I find out what my repayments would be were it to come to an end tomorrow for example? TIA

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Send me a PM and I can help start looking about April/May, mortgage offers last 6 months usually

 

mistahclarke

Well-known member

Jul 28, 2009

2,997

• Feb 4, 2024

• #31

Gareth, what do self employed people need these days? 2 years accounts or 3?

 

Perkino

Well-known member

Dec 11, 2009

5,987

• Apr 7, 2024

• #32

Has the market changed much during the first quarter of 2024

 

Jam The Man

Well-known member

Jul 5, 2003

8,126

South East North Lancing

• Apr 15, 2024

• #33

@Uncle Spielberg
Hi mate - please ignore if it’s not within your realms of expertise!

I’m going through the process of selling my garage to my neighbours. The garage is on a compound about 50 yards from mine and my neighbours houses.

We’ve agreed a price and we are going through our respective solicitors to finalise everything.

However my solicitor today has told me there’s an issue with the ‘filed plan’ and I’ll need to pay a surveyor to redraw it.

There’s more detail to this but don’t want to waste your time if it’s not in your arena.
Cheers

 

ditchy

a man with a sound track record as a source of qua

Jul 8, 2003

5,209

brighton

• Apr 15, 2024

• #34

Just a quick shout out. Just to say that if anyone needs Mortgage advice or needs to remortgage etc ,then I fully recommend you use Uncle Spielberg . I have just remortgaged using him , and I can say it was painless and no hassle whatsoever with a quick efficient service . Charges were on the low side , esp when NSC discount applied . I wouldn't hesitate using him again if I need to .