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Author Mortgage
jamesw
Member

Registered: 28th Jun 02
Location: Station Town, County Durham
User status: Offline
27th Jul 09 at 17:09   View User's Profile U2U Member Reply With Quote

What are people paying per month if you dont mind me asking? Our morgage was for roughly 65k and currently paying 325 a month and got about 33 years to go. My current rate is 4.78.

I thought this was OK'ish but my mate mentioned the other day he is paying 130 p/m and I remember his was 85k so surely this isnt right? Trying to get some more info.



[Edited on 27-07-2009 by jamesw]
Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
27th Jul 09 at 17:12   View User's Profile U2U Member Reply With Quote

Even on a 40yr mortgage at 1% interest the monthly repayment would be approx 215.

On an interest only 130 a month would be on a rate less that 2% over 40yrs.
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
27th Jul 09 at 18:23   View User's Profile U2U Member Reply With Quote

Currently paying 165 quid a month on a 30k mortgage.

But selling up & moving soon & the new one is around 650 a month on 120k.

[Edited on 27-07-2009 by Colin]
Kano
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Registered: 29th Aug 04
Location: Fife
User status: Offline
27th Jul 09 at 18:24   View User's Profile U2U Member Reply With Quote

435 p/m for a 70k mortgage over 25 years. Fixed for 5 years aswell...
Gaz
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Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline
27th Jul 09 at 18:51   View User's Profile U2U Member Reply With Quote

707 for 105k.. over 25 years..
BlueCorsa
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Registered: 14th Jan 04
Location: Midlands Drives: MB SLK250 CDI
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27th Jul 09 at 20:50   View User's Profile U2U Member Reply With Quote

1057 for 173K over 25y
ash_corsa
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Registered: 15th Apr 04
Location: Shrewsbury
User status: Offline
27th Jul 09 at 22:09   View User's Profile U2U Member Reply With Quote

575p/m 110,000 35yrs
_Allan_
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Registered: 24th Mar 04
User status: Offline
27th Jul 09 at 22:48   View User's Profile U2U Member Reply With Quote

It will be 656 p/m for 123,750 - 30 years.

Fixed for five at the above.

[Edited on 30-07-2009 by _Allan_]
Laura
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Registered: 6th Oct 04
Location: Leven, Fife
User status: Offline
28th Jul 09 at 07:07   View User's Profile U2U Member Reply With Quote

45,050 mortgage. 291 over 25 years. 5.84% fixed for 3 years. Mortgage was arranged in January. With Abbey National.

That was only 85%.

Theres a few 90% ers about now though I think?



[Edited on 29-07-2009 by Laura]
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
28th Jul 09 at 08:31   View Garage View User's Profile U2U Member Reply With Quote

719 p/m for 110,650 over 25 years
Cavey
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Registered: 11th Nov 02
Location: Derby
User status: Offline
28th Jul 09 at 11:41   View User's Profile U2U Member Reply With Quote

Think i'm on for 4.79% on 121k, will be 570-580ish a month, that's if we get our place.

Over 35 yrs
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
28th Jul 09 at 12:22   View User's Profile U2U Member Reply With Quote

Thats a good rate Cavey who is that deal with?

Very similar figures to what im looking at aswell!!

MarkM
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Registered: 11th Apr 01
Location: Liverpool
User status: Offline
28th Jul 09 at 13:01   View User's Profile U2U Member Reply With Quote

Do they still not do 90% or higher LTV mortgages?
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
28th Jul 09 at 13:33   View User's Profile U2U Member Reply With Quote

Most places ive still want you to stick 20% down according to the ifa im getting to find me a mortgage just now.
strick206
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Registered: 12th Apr 07
Location: Wigan Drives:Integra DC5
User status: Offline
28th Jul 09 at 14:10   View User's Profile U2U Member Reply With Quote

Mine is 590 per month on a 25 year mortgage, 105k

Fixed for 4 years at that rate
Cavey
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Registered: 11th Nov 02
Location: Derby
User status: Offline
28th Jul 09 at 16:09   View User's Profile U2U Member Reply With Quote

Was Halifax Colin, that was a rough quote that was given by our financial advisor guy.

We're trying to get a 70-30 deal with HomeBuy Direct, which means they think it's a 70% mortgage, so gets us a much better deal than we can afford.

House value is 190k, 70% is 133k, we've got 12k deposit, so 121k mortgage

I think RBS were doing a fixed rate of 4.5% for 2 years, not sure if that's still standing
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
28th Jul 09 at 16:36   View User's Profile U2U Member Reply With Quote

Ah right I see!!

Seen the RBS one but the cash needs to be down by November & were not due entry intil late December.
A2H GO
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Registered: 14th Sep 04
Location: Stoke
User status: Offline
28th Jul 09 at 16:42   View User's Profile U2U Member Reply With Quote

3.80% Fixed on 115,000 = 446pm. Well it will be when we complete on Monday
smcGSI16V
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Registered: 26th May 03
Location: Farnborough Drives: Thurlby 888 CDTi No.98
User status: Offline
28th Jul 09 at 16:43   View User's Profile U2U Member Reply With Quote

Currently paying 900 ish a month on a 165k morgage.
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
28th Jul 09 at 17:13   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by CorsAsh-Sport
3.80% Fixed on 115,000 = 446pm. Well it will be when we complete on Monday


Wheeeit?? Who's offering 3.8% fixed??

Or are you sticking down some huuuuuge deposit?

I can only fund 20% max, well id need another 7k or so to be able to put 25% down, id need to sell my car or do something else drastic to get a better rate than 5.4% (current best with alliance & leicester) it sucks
luciaadr
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Registered: 11th Aug 04
Location: Bexleyheath, Greater London
User status: Offline
28th Jul 09 at 20:47   View User's Profile U2U Member Reply With Quote

3.65% fixed for 2 years on 80k. Works out at 412 / month.
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
28th Jul 09 at 21:42   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by luciaadr
3.65% fixed for 2 years on 80k. Works out at 412 / month.


Who with/what % deposit?

Ive never seen a fixed mortgage that low!
_Allan_
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Registered: 24th Mar 04
User status: Offline
28th Jul 09 at 23:27   View User's Profile U2U Member Reply With Quote

HSBC were doing 2.99% fixed at one point but I think that was for a 60% LTV.
A2H GO
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Registered: 14th Sep 04
Location: Stoke
User status: Offline
29th Jul 09 at 08:08   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Colin
quote:
Originally posted by CorsAsh-Sport
3.80% Fixed on 115,000 = 446pm. Well it will be when we complete on Monday


Wheeeit?? Who's offering 3.8% fixed??

Or are you sticking down some huuuuuge deposit?

I can only fund 20% max, well id need another 7k or so to be able to put 25% down, id need to sell my car or do something else drastic to get a better rate than 5.4% (current best with alliance & leicester) it sucks


Thats with Halifax mate 75% LTV, 3 Year Fixed. Secured it over 4 months ago its just taken forever to go through, can't remember if it was for FTB's only. We tried through a broker but best he could do was in the 4%'s so we went direct. Also comes with the 'Half council tax paid for the year' offer they were doing at the time.
ENB
Member

Registered: 24th Apr 06
User status: Offline
29th Jul 09 at 12:44   View User's Profile U2U Member Reply With Quote

Just sort of 700, little over with the redundancy protection. on 122k 95% LTV. 5 year fixed at 6.2%. 35 Years.

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