morgtages

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han duo

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i need help in getting a ggod deal on a morgtage....can any of you lot point me in the right direction, heres what iam after..


borrow £115,000 over 25 years

fixed rate for 5 years

the best ive got so far was with halifax with a rate of 5.54% which was £705.00 a month over 25 years....................anyone find a better one ? :?
 
han duo said:
i need help in getting a ggod deal on a morgtage....can any of you lot point me in the right direction, heres what iam after..


borrow £115,000 over 25 years

fixed rate for 5 years

the best ive got so far was with halifax with a rate of 5.54% which was £705.00 a month over 25 years....................anyone find a better one ? :?
Click to expand...

you'll struggle to get much better than that for a 5 year fixed. Try the Guardian's money pages they always give the best deals. But it sounds like you already have it. A non-high street building society might beat it slightly. Try the Britannia
 
Ron said:
**** knows Han about morgages. I only have a morgage off £4800. Am going to pay that off this year
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:shock: :shock: :shock:

When did you buy your house Ron?
 
spoons said:
han duo said:
i need help in getting a ggod deal on a morgtage....can any of you lot point me in the right direction, heres what iam after..


borrow £115,000 over 25 years

fixed rate for 5 years

the best ive got so far was with halifax with a rate of 5.54% which was £705.00 a month over 25 years....................anyone find a better one ? :?
Click to expand...

you'll struggle to get much better than that for a 5 year fixed. Try the Guardian's money pages they always give the best deals. But it sounds like you already have it. A non-high street building society might beat it slightly. Try the Britannia
Click to expand...

ta. !!! :D
 
Do you need to borrow that much considering the price you got for your business and the house you are buying doesn't seem to need much work?

I know Barclays do a 10 year fixed rate but you have to pay a £1000 fee to get it plus their interest rate is probably higher than your current quote.
 
nah....

the business has sold for 55,000.......ive got 5,000 in savings and then the bills ive got to pay for the agents selling it, solicitors fees, buying a house , selling the business, stamp duty etc.. is all adding up to a bill of about 7,000 so ive got about 53,000..........iam putting 50,000 down on for a deposit and the house is 165,000 (knocked down from 180,000) so i need 115,000...

me and the wife both work (well iam in the middle of sorting out a full time contract with grimsby college-teaching) so our wages can cover £705 a month, the bills are going to be about 250 a month so once food is paid for i should be laughing.... both mine and the wifes jobs cover our petrol costs so thats not a problem....

plus iam in the begining stages of sorting out a new business venture !! :D
 
spoons said:
Ron said:
**** knows Han about morgages. I only have a morgage off £4800. Am going to pay that off this year
Click to expand...

:shock: :shock: :shock:

When did you buy your house Ron?
Click to expand...


in 1999 i bought a 3 storie house with 5 bedrooms in sunderland for 19,500 :shock: , i rented it out to dole wallers and saved up for a year and a bit and in 2001 i bought a 1 bedroom flat for 10,000 cash !! i split the other one into a 2 bed flat amd a 3 bed masonet as well as having the 1 bed flat..........(i sold just before the boom hit the north east) i sold them to buy the business if id kept hold of them i would now id be looking at retiring !!! my morgtage was about 150 a month back then !!
 
Thats good Han. I have seen so many of mates take out morgages they cant afford. If any goes wrong in there life there ****ed
 
Ron said:
Thats good Han. I have seen so many of mates take out morgages they cant afford. If any goes wrong in there live there ****ed
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iam the same ,,one of my mates is in a house which he bought for about 45 or 50 grand (9 or 10 years ago) and he has remortaged to the hilt, his house is now worth 133,000 and his mortage is now for 130,000... if intrest rates go up he's ****ed !! his payments are just over1000 at the minute :shock: :roll:
 
Spoons i bought my house 8 years ago when i was 21 bought it off my parents. Three bedroom ex council for 22k only have 2 years left to pay on it. My morgage is only £240 a month council tax £90
 
Ron said:
Spoons i bought my house 8 years ago when i was 21 bought it off my parents. Three bedroom ex council for 22k only have 2 years left to pay on it. My morgage is only £240 a month council tax £90
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thats ****in great !!!.......i feel sorry for some poor bastards now that cant get a house ..it must be **** if youve no option but to live in a slum :x :(

one of my younger brothers is going to be knackered when it comes to getting a house , by the time he's ready to settle down he will not be able to afford a shed ! :cry: but at the end of the day its swings and round abouts and it may all change in 10 years it might drop so far that houses are cheap again !!then house owners are the ones who are ****ed ! :x
 
we bought ours 10 years ago for 32,000 now worth around 140.000.

han when you get a mortgage you should get one thet one of you can afford by your self in case something happens to other
 
jabbawokkie said:
we bought ours 10 years ago for 32,000 now worth around 140.000.

han when you get a mortgage you should get one thet one of you can afford by your self in case something happens to other
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iam not on a fortune at my next job but covers the payments,bills, food etc.. my wifes pay is the spending money :lol:
 
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