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Barclays just told me the maximum LTV for a remortgage is 80%. Is that common, or is it them? Or is it me with my shitty credit rating?
I don't think many lenders like to go much higher than 80% but there are definitely deals out there going up to 95% as far as I am aware.
Go to an independent financial advisor.
Where are you, there are a few on the forum.
I ca very strongly recommend a guy here in Cardiff, Mol.
My fixed deal ends at the end if the month, any good deals about that should be considered?
Hmm, not sure if I should talk to an IFA or just stay with Nationwide..
Talk to IFA - IME they have been worth the time the 3x we have used, and I've only paid a small fee once.
We have used a mortgage advisor every time we have and they have been great.
managed to help us move house when the nationwide building society were difficult with ltv.
we have got great deals we wouldn't have got otherwise.
hsbc and a few others are still offering
-
5 year fee free
for under 2% (max 10% overpament) LTV 60%
3.49% LTV 95% // 2.44% LTV 90% // 2.29% LTV 85% // 2.09% LTV 75%
they are keen on seeing paperwork and ensuring you have spare cash, but i've always founds them great value and a great service..
get recommendations for a MA, i spoke to ones and they didnt listen whatsoever, i'd have ended up on a long fix at a high interest rate, but i didnt trust what they advised, whereas a local MA said if you afford to overpay XX then get a tracker. [that saved me 3.5%pa in my first 5 years]
I already have an IFA
London & Country have done a stirling job for me and some friends. Every time. Nothing to pay. Can’t do any harm.
Molgrips I just switched deal with nationwide it hasn't kicked in yet but I went for 10 year fixed at 2.79% it was done on the app and took literally a couple of minutes and the new deal was emailed instantly, no wage or valuation checks done probably took me 2 mins all in, there maybe better deals but I retire in ten years and wanted a swift simple switch what with the Brexit mayhem, I'm happy with it anyway
90% on a remo. Sometimes lower if raising funds for other purposes outside of replacing existing mortgage especially debt consolidation.
firestarter +1 except I went 5 years fixed. I'm in the middle of punting/buying various bits of property (inlaws etc) and didn't want the extra hassle of a full application. When you look at the real APRs there was little in sticking with Nationwide and the hassle of a new deal - no real surprise I suppose.