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Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

10th Nov 15 at 15:49

Ideally after something with breakdown cover as well as travel insurance.

What have you got? What's on offer at the moment?

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

10th Nov 15 at 16:52

Santander 123 cash back thing. Works ok.

Trouble is as our mortgage is with Santander it shows the balance every time I log in.

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

10th Nov 15 at 17:00

Halifax do one

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

10th Nov 15 at 17:35

quote:
Originally posted by deano87
Santander 123 cash back thing. Works ok.

Trouble is as our mortgage is with Santander it shows the balance every time I log in.

Same here. In 5 years the balance remaining has only reduced by 9k, despit paying in nearly a grand a month for the first 3 years and 750 for the next 2.

Depressing

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

10th Nov 15 at 18:03

We both have Halifax accounts and I have a TSB account I use for personal work.

Just wondering if there are any good deals out there for us.

I need to cover the Astra with the AA or RAC as the Mrs uses this with little one (It's happened before where she has left the lights on and I was 200 miles away). Wouldn't mind that covering my bangers also. Focus is coverd by Ford on AA and bangers are not essential.

[Edited on 10-11-2015 by Andrew]

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

10th Nov 15 at 18:32

Well upgrade your Halifax account, pretty simple.

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

10th Nov 15 at 18:52

quote:
Originally posted by Ben G

quote:
Originally posted by deano87
Santander 123 cash back thing. Works ok.

Trouble is as our mortgage is with Santander it shows the balance every time I log in.

Same here. In 5 years the balance remaining has only reduced by 9k, despit paying in nearly a grand a month for the first 3 years and 750 for the next 2.

Depressing

You're telling me. £3k nearly off the balance and we've been paying in £715 per month for the last 18 months.

Keep looking at it thinking "next month it'll be sub-£130k as there's less than £750 to go. It strikes off about £200 every month

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

10th Nov 15 at 19:12

quote:
Originally posted by Nic Barnes
Well upgrade your Halifax account, pretty simple.

That will cost me money

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline

10th Nov 15 at 19:37

Halifax covers any car you are in as the account holder. It's decent.

Corsa 2.0 16v Vegas - Sold

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

10th Nov 15 at 19:41

quote:
Originally posted by Andrew

quote:
Originally posted by Nic Barnes
Well upgrade your Halifax account, pretty simple.

That will cost me money

£15 a month gives you travel insurance, break down insurance, mobile phone insurance, cash back deals and a few other things. You have to pay in £1000 a month perhaps that's difficult for you?

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

11th Nov 15 at 13:43

quote:
Originally posted by deano87

quote:
Originally posted by Ben G

quote:
Originally posted by deano87
Santander 123 cash back thing. Works ok.

Trouble is as our mortgage is with Santander it shows the balance every time I log in.

Same here. In 5 years the balance remaining has only reduced by 9k, despit paying in nearly a grand a month for the first 3 years and 750 for the next 2.

Depressing

You're telling me. £3k nearly off the balance and we've been paying in £715 per month for the last 18 months.

Keep looking at it thinking "next month it'll be sub-£130k as there's less than £750 to go. It strikes off about £200 every month

I have been paying 750 for nearly 24 months and knocked 10k off my Mortgage, hardly a 'bargain' however!

IvIarkgraham

Premium Member

Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline

11th Nov 15 at 16:21

£720 a month takes off £3k a year on my mortgage.

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

11th Nov 15 at 17:06

Mine is £480 pretty much a month. Will report back in a year to tell you how much it has gone down by.

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline

11th Nov 15 at 19:55

Depends on the term.

Corsa 2.0 16v Vegas - Sold

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

11th Nov 15 at 20:04

20 year mortgage

IvIarkgraham

Premium Member

Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline

11th Nov 15 at 23:58

quote:
Originally posted by Nic Barnes
Mine is £480 pretty much a month. Will report back in a year to tell you how much it has gone down by.

How much have you borrowed?

Im over paying on mine but I have £118k 25/26 years left

Need to re mortgage coz my rate is shit

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

12th Nov 15 at 02:42

Same. 29.5 years left, 3.99% SVR, £147.5k left

getting old is shit.

whitter45

Member

Registered: 15th Nov 02
Location: Norton
User status: Offline

12th Nov 15 at 08:55

quote:
Originally posted by Ben G

quote:
Originally posted by deano87
Santander 123 cash back thing. Works ok.

Trouble is as our mortgage is with Santander it shows the balance every time I log in.

Same here. In 5 years the balance remaining has only reduced by 9k, despit paying in nearly a grand a month for the first 3 years and 750 for the next 2.

Depressing

that's your issue - should have kept your payments at 1k even though your rate changed - that would have been another 6k off the bottom line

[Edited on 12-11-2015 by whitter45]

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

12th Nov 15 at 10:57

The joint accounts that you pay for are great because both account holders get the benefits so you basically get twice as much for the same monthly fee.

We had Natwest Platinum which was good. It has breakdown cover, phone insurance, travel insurance, Tastecard and free National Trust passes (if you like that kind of thing).

We recently upgraded to Natwest Black and now we also get priority passes for airport lounge access and home emergency insurance.

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

12th Nov 15 at 14:14

quote:
Originally posted by Nic Barnes
You have to pay in £1000 a month perhaps that's difficult for you?

This is not an issue, spending £15 a month is. It's another bill i don't really want.

However, we do need breakdown cover asap really.

Was hoping there were some free deals out the

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

12th Nov 15 at 14:23

You used to get £5 back if you paid in a grand with halifax, so it's actually only a tenner.

Whether £15 or £10, it's pretty damn good value for travel insurance, AA cover, phone insurance and probably loads of other crap I never looked at.

Lotus Elise 111R

Impreza WRX STi

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

12th Nov 15 at 14:24

Breakdown cover per month isn't much less than £15. And tbh if £15 a month is a struggle, then I really don't know what to suggest? Overtime at work? New job?

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

12th Nov 15 at 14:25

quote:
Originally posted by Kyle T
You used to get £5 back if you paid in a grand with halifax, so it's actually only a tenner.

Whether £15 or £10, it's pretty damn good value for travel insurance, AA cover, phone insurance and probably loads of other crap I never looked at.

the account that gives you all that charges £15 by I don't think it pays anything back. Mine doesn't anyway but it works out good value anyway so I'm not troubled by it.

Toby

Premium Member