I checked my HSBC account this morning and the rates had dropped very slightly. I think it was 0.07% on a 2 year and 0.4% on a 5 year deal.Source?
(as just checked and HSBC's haven't moved yet)
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I checked my HSBC account this morning and the rates had dropped very slightly. I think it was 0.07% on a 2 year and 0.4% on a 5 year deal.Source?
(as just checked and HSBC's haven't moved yet)
What a difference a day makes...Rates have come down again for me as well, now looking at 3.96% so another 0.03% drop.
This is with a 53% LTV remortgage.
Anecdotal, but a lot of homes in my area have recently gone on the market!
Sleep easy knowing £1350 saving is £350 a year.Im about 1.2 years in to a 5 year fix on 3.95%
If the rates go to below 3% what do I do ? I'm not overpaying at the moment but I have been saving.
My ERC should be 1% and would probably cost me £1350 to bail out early and get a new deal (if it were lower) by that point "if")
I checked my HSBC account this morning and the rates had dropped very slightly. I think it was 0.07% on a 2 year and 0.4% on a 5 year deal.
I was looking at the no fee options with a LTV of 45%
Try and go direct.I've just finished a remortgage quote on a comparison site and found a decent deal. 3.09% for 2 years and 0 product fees, with Darlington building society.
EDIT: After clicking onto the next page, it seems they may charge a broker fee. Boooo
That rate, especially on a 2 year fix with no fee, seems too good to be true.I've just finished a remortgage quote on a comparison site and found a decent deal. 3.09% for 2 years and 0 product fees, with Darlington building society.
EDIT: After clicking onto the next page, it seems they may charge a broker fee. Boooo
It depends on the offer. Some are 5 years and some have a set expiry month.When you remortgage you can do it 6 months before your fixed rate expires on most. If you do it 6 months before on say a 5 year fix, but then don't start the offer for 6 months, do you lose 6 months of the 5 year rate, or do they only start the time period when you actually go ahead with it?
More rate cuts due again tomorrow: TSB, HSBC & Nationwide this time.