Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Field Marshal Dr. Opti on 14 August 2013, 12:35:47
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£113 per month......or £1360 per year.
Wholly unexpected, so most pleased with the result. :y
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£113 per month......or £1360 per year.
Wholly unexpected, so most pleased with the result. :y
ok, ok. I'll fall for it . . . . . ::)
Wow. Thats great, please tell us how :D
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por quois ;) ;) ;)
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On insurance perchance?Whatever it is it sounds like a proper result.Well done!
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With more hope than expectation I contacted my mortgage provider this morning.
The conversation went something along these lines.
"Can you give me a better deal on my mortgage please?.....Base rate is 0.5%, and I'm paying 4.49%"
"How does 3.59% for the next 3 years sound ?"
"Sounds good , but what are the hidden costs and administration fees.
If you stay with us for the next 3 years then there are none.
I believe that Mark Carneys intervention in the last few days have eased the pressure, because I asked the exact same question six months ago and was told......6.45% with a charge of £1500. :o :o :o :o
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
The tight git is loaded, Rog, yet poor Mrs Opti has to wear hand-me-downs and is sent to do odd jobs for her pin money.
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
Sadly, yes. :'( :'(
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
The tight git is loaded, Rog, yet poor Mrs Opti has to wear hand-me-downs and is sent to do odd jobs for her pin money.
Er....it's not me spending ten grand on a new car. ;) :P :P :P
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
Sadly, yes. :'( :'(
You certainly have (reverse calcing the numbers above).
Fortunately I am now in single figure repayment years left at about a third of that total loan balance
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
Yes, Mr Guffer. For anyone not tied to a deal at present, it may be worth giving your mortgage provider a bell. :y
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
Sadly, yes. :'( :'(
You certainly have (reverse calcing the numbers above).
Fortunately I am now in single figure repayment years left at about a third of that total loan balance
I borrowed an extra £***** on the mortgage about five or six years ago. It seemed like a good idea at the time. :-[
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
The tight git is loaded, Rog, yet poor Mrs Opti has to wear hand-me-downs and is sent to do odd ???? jobs for her pin money.
Surely not ;)
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
Sadly, yes. :'( :'(
You certainly have (reverse calcing the numbers above).
Fortunately I am now in single figure repayment years left at about a third of that total loan balance
I borrowed an extra £***** on the mortgage about five or six years ago. It seemed like a good idea at the time. :-[
The maths is too hard for me to work out! ??? ;D ;D ;D
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
My standard variable is lower than that ::)
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Guys, don't ring your mortgage company, although that better than nothing. What you want is an independant financial advisor.
Preferably one that gives free advice. IFA's have facility's, such as mortgage brain, to search a large database of mortgage products that suit your needs. It's his job to find the cheapest with your interests in mind. As opposed to a Mortgage company with its own interests at heart, and not yours. ;)
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
My standard variable is lower than that ::)
Everybody seems to be on a better rate than me.... :'(
Mind you, at the time we were forced to go the self-cert route........commonly known as a 'liar loan' ::) ::) :). So maybe 3.59% isn't so bad.
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
My standard variable is lower than that ::)
Everybody seems to be on a better rate than me.... :'(
Mind you, at the time we were forced to go the self-cert route........commonly known as a 'liar loan' ::) ::) :). So maybe 3.59% isn't so bad.
You're never happy are you, tightwad? Crack open a bottle of that vintage ginger beer you've been saving for a special occasion.
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
My standard variable is lower than that ::)
Everybody seems to be on a better rate than me.... :'(
Mind you, at the time we were forced to go the self-cert route........commonly known as a 'liar loan' ::) ::) :). So maybe 3.59% isn't so bad.
You're never happy are you, tightwad? Crack open a bottle of that vintage ginger beer you've been saving for a special occasion.
Tomorrow is a big day for you. This time tomorrow you'll have a nice new shiny car parked on your drive. It's a shame that the wheels will already be gone by then. ::) ;D ;D ;D
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
I believe Opti Towers is quite palatial Rog! :) and the Omega is just for the Romanian maintenance crew to run about in! 8) ;D
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Yup the new Guvnor has had a surprise effect on the mortgages on offer. Managed to get a fixed rate of 2% for the first 3 years :y
My standard variable is lower than that ::)
Nice. :y But I bet my home insurance quote is better than yours ::) ;D
But I am a first-time buyer with very little deposit. Thankfully though the mortgage has been agreed based on my salary alone. The wife's base salary is in USD so although she is paid through the UK system (PAYE, etc) it varies a lot so providing proof would have been difficult, plus you never know what is going to happen to the dollar.
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You must have a pretty big mortgage . . . :-X to save so much cash on such a small percentage difference.
I believe Opti Towers is quite palatial Rog! :) and the Omega is just for the Romanian maintenance crew to run about in! 8) ;D
;D ;D ;D ;D. I use the Bentley instead, Sir Tigger.
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The house is mine, all mine, well, and SWMBO,s as well i suppose :-\
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Guys, don't ring your mortgage company, although that better than nothing. What you want is an independant financial advisor.
Preferably one that gives free advice. IFA's have facility's, such as mortgage brain, to search a large database of mortgage products that suit your needs. It's his job to find the cheapest with your interests in mind. As opposed to a Mortgage company with its own interests at heart, and not yours. ;)
Thats very sexist Mr Gixer ;D :y
To be honest, I have had good and bad experience of IFA's so personal recommendation is a must and dont feel you need to commit. Consider also that you can also do searches yourself.
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Guys, don't ring your mortgage company, although that better than nothing. What you want is an independant financial advisor.
Preferably one that gives free advice. IFA's have facility's, such as mortgage brain, to search a large database of mortgage products that suit your needs. It's his job to find the cheapest with your interests in mind. As opposed to a Mortgage company with its own interests at heart, and not yours. ;)
Thats very sexist Mr Gixer ;D :y
To be honest, I have had good and bad experience of IFA's so personal recommendation is a must and dont feel you need to commit. Consider also that you can also do searches yourself.
IFAs don't have access to all the products on the market. There are many Bank only products out there you can only get by going to each one directly. It's horses for courses but I prefer using an IFA because if he screws up I have his nuts, if I screw it up then I only have myself to blame.