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[TheBoy]

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

My standard variable is lower than that

[chrisgixer]

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.

[Field Marshal Dr. Opti]

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

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.

[MR MISTER]

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

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.

[Field Marshal Dr. Opti]

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

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.

[Sir Tigger KC]

You must have a pretty big mortgage . . .   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!   

[Gaffers]

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

My standard variable is lower than that

Nice.     But I bet my home insurance quote is better than yours

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.

[Field Marshal Dr. Opti]

You must have a pretty big mortgage . . .   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!   

  . I use the Bentley instead, Sir Tigger.

[ronnyd]

The house is mine, all mine, well, and SWMBO,s as well i suppose                                      

[Marks DTM Calib]

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 

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.

[Gaffers]

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 

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.