The Breakfast Debate

Ready for the post as soon as your legs better then ?

 

Ok then.....

 

I'll accept a PM

 

You would accept a tranny wrapped in a sheepskin rug but it doesnt mean you are getting one....


Serious question. Where would a first time buyer with a 5% depoosit (10k) get the best five year fixed rate mortgage on £190k loan from these days?

 

Cumberland building society have a 5 year fixed rate of 2.39 :/. Their fees seem reasonable but obviously penalties to pay if you come out before 5 years

 

Sadly wont do that if property is out of their operating area. Quoting 4.54%.

Nat west and halifax quoting 2.5% for two years...

 

For a first time buyer? If so what about the help to buy scheme so they can have a larger LTV http://www.moneysupermarket.com/mortgages/hubs/first-time-buyers/95-mortgages/

If not and not the 5yrs you want but Barclays are doing an attractive 2.79% on a three year fixed 95%

 

Its not for me.. Yep first time buyer frim what he says the arrangement / set up costs with the barclays deal are a bit steep

 

Steve, if it's for your daughter, have you thought of giving them a wee bit of their inheritance early? Or perhaps give them a personal loan to increase their deposit? Helps them get a cracking deal as LTV is smaller (if that's the term). I did that with my boys as one of them didn't even have two bob as a deposit. Worked out really well.

 

I have thought of that but not a chance.... Ygm

 

You sure?

 

Its in my sent bix... If thats what you mean.

 

not much to worry about here think leeds were missing jansson and needed more bite and determination but 3 points lost there