anyone on here had to remortgage recently?

[pizzathehutt]

we bought a house and got a 2 year mortgage which has now come to an end, we just got our estate agent who had there own mortgage broker to sort it out for us.

we are now looking to re mortgage for a 5 or 10 year one

how much of a pain in the arse was it?

 

[edd_jedi]

Just done it this month, I used a broker and they did literally everything, it was very easy. It was these guys if you're interested:

http://manningandco.co.uk

 

[pizzathehutt]

Thanks Edd, I thought as much.
We are trying to go direct but hearing that could be a 3-4 month nightmare.

We want to go with our original broker but he's just had a bike accident and broken his hip so is out of action.

 

[jedi_masters]

we've just moved so have taken out a whole new mortgage but had remortgaged on the old property last year and it was fine. Our financial adviser did all of it really apart from the first meeting where we met to give wage details and bank statements. Saved us £75 a month at the time.

 

[Stubbs]

I did mine last month found the cheapest product for me got the forms through signed them job done.

 

[Clarkspie&chips]

I'm doing mine at the moment through a broker. It's a piece if cake, all she needed to start me off was my salary, how much was left on the mortgage, house valuation and then what sort of deal I was looking for.

She found a deal straight away which is a little better than what I found on money super market etc and takes all the hassle out of doing it yourself.

She's also got a cracking set of tits so it's a no brainer really.

 

[Mini99]

She's also got a cracking set of tits so it's a no brainer really.

:lol: :lol: :lol:

 

[pizzathehutt]

She's also got a cracking set of tits so it's a no brainer really.

:lol: :lol: :lol:

:lol: :lol: :lol:

this has cheered me up

thanks guys!

 

[x-pack]

She's also got a cracking set of tits so it's a no brainer really.

:lol: :lol: :lol:

:lol: :lol: :lol:

this has cheered me up

thanks guys!

Well it is a serious business :lol:

 

[Lindo]

When my fixed term came to an end I stayed with my mortgage company and just went onto tracker rate, ended up saving money each month not to mention the fees etc that they wanted to charge me for the pleasure of putting my monthly payments up

 

[ScruffyLookingNH]

I went direct with First Direct. They do a fee free (literally not a penny) 10 year fixed at 2.5%. That's not the greatest rate on the market BUT we have such a small mortgage when you take into account the fee savings it makes a huge difference. And the FD mortgage also allows you to over pay as much as you want. Only if you fully pay it off before the 10yrs do you incur a charge and at only 2% after the first year that again was a big attractor. All documents could be uploaded online which also helped.

 

[jedi_masters]

Found some old paperwork from when we bought our house we just moved from. Comparrison to now:

July 2008.

fixed interest rate: 6.16%
first payment: £2026
future payments: £1072

July 2017

fixed interest rate: 1.19%
first payment: £702
future payment: £672