Remortgage

thebigman

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My current mortgage offer is about to expire and i'm sorting out a new one. What sort of legal fees should my lawyer be charging me? to handle the change. This is the first time i have had to do this as I've always moved when its been due

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thebigman

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Building society seem to think I do. I wouldnt have a clue where to start.

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davidh

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Building society seem to think I do. I wouldnt have a clue where to start.

thebigman
r u remortgaging or trying for a new deal

if just a new deal go to see them and ask what is the best they can sort u
that way u dont need a soliciter
 

crazy

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just going through the re-mortgage process at the mo and the lender (bank/building society) normally does all the legal stuff you shouldn't need your own solicitor.

Just got to keep an eye on the booking/valuation/arrangement fees they might be charging.
 

thebigman

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I'm changing lenders, which i think is why i'm going to need a solicitor.

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kabzy mabzy

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sorry to barge in on this thread but does anyone know any good banks, building societies offering great deals at the mo?
 

bluesboy

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You need a financial adviser m8, they work for free, get there fees from the company you get a mortgage with. Go into any estate agent and they will either have one or know one. I used Country Wide when my daughter was into the market. You will need a solicitor if you change the lender though. fees often apply which can be tacked onto you loan if you dont have the funds to pay for it.:Cheers:
 

bluesboy

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sorry to barge in on this thread but does anyone know any good banks, building societies offering great deals at the mo?

Same thing m8 go to the financial adviser and they can punch up all the best deals on their computers a bit like:Clap: confused. *om lol
 

Killer_K

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hey, check this tracker deal at hsbc... i've gone for this deal last week

https://www.hsbc.co.uk/1/2/personal...ssionid=00007Mjt5qKVepKuw5REWlF_CF5:12c58sh8k

HSBC - Life Time Tracker 5.99% = Base Rate + 0.99% for term 6.2% APR

i paid no setup fee as it didn't make much difference in savings over a couple of years and after a few months or a year or 2 if there is a better deal you can move again.


Same thing m8 go to the financial adviser and they can punch up all the best deals on their computers a bit like:Clap: confused. *om lol
 

thebigman

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I used the mortgage checker at h**p://www.thisismoney.co.uk/homes to find a good deal a fixed rate five year. I will save £3000 over 5 years compared to what my current lender where offering.

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nohidingplace

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all these banks that caused all the trouble themselves are locking most Financial people out and keeping the best deals for there own customers.

thieveing bar'stewards these banks ,lend money stupidly then screw us with our own tax money.

I lent a pal a few quid knowing fine well he cannot pay it back so will the BOE bail me out as well (hypothetically this mind you)
 

thebigman

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all these banks that caused all the trouble themselves are locking most Financial people out and keeping the best deals for there own customers.

my bank didn't they offered me a s**t deal, werent all that interested in what I wanted, basically take it or leave it. So I've decided to leave it:proud:

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Sylvester

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You don't need a solicitor. Shop around for a good deal and have the legal fees included in the new mortgage.Stay away from the tracker mortgages. bank of Scotland have a good reputation.It's a buyers market so if they want your business,they pay the legal costs.
 

hybrid32

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fixed rates are good for your peace of mind BIGMAN but id advise a 3 yr tracker, as the economy slows interest rates will slowly be cut ,getting the best deal in mortgage terms usually means tryin to read the markets and not getting tied in for too long
ps dont read too much into the high oil price as 70% is tax which buisness claims back so in real terms only transport costs have risen significantly which hit profits but reduce tax burdens, so inflation shouldnt rise due to oil and the extra tax that mr brown and co get will be injected back into the economy (ie bank bail outs )at the rate they think will stabalise house prices,bank lending etc
 
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