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[quote][i]Originally posted by Jules S[/i] [quote][i]Originally posted by Kano[/i] [quote][i]Originally posted by Jules S[/i] I don't seem to ever have got an 'advertised' APR loan in the last 20 years or so. Always had a mortgage with no arrears, car loans with no arrears, contract phone etc. The only thing I don't do is credit cards... I never really understood the 'you have no credit history - so you are a credit risk' myself :boggle: [/quote] I went for a mortgage last year and was told by the bank that its a complete myth and that they hear similair stories all the time. I have never had a loan, credit card or anything in my life and walked into the bank and was offered a mortgage without any issues. Managed to get a good rate aswell. Since then I've taken that mortgage and got a car on finance at a good rate aswell with no issues. [/quote] To be honest, mortgages are a different kettle of fish to short term low value loan rates where the 'headline' rate is concerned IME. If you buy a house with a mortgage the lender effectively owns it anyways, and 'usually' the collateral in the property will cover the loan...hence the advertised rate is what you get. I blew the VX engine up last year and faced a circa £4k bill. I didn't have the monies in the bank to cover the bill, so I HAD to get a loan. Searched all over and didn't get one offer less than 1.5% above what the banks/BS were advertising as their 'rates' [/quote]
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