Al Jolson
1:47 Thu Jul 14
Re: Interest rate drop
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be interesting to see what the split is..aint the minutes released same day?
Agree about Carney....reckon King was better
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Troy McClure
1:43 Thu Jul 14
Re: Interest rate drop
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Well there you go. Big fuss for nothing.
He's a ditherer that Carney
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Al Jolson
1:40 Thu Jul 14
Re: Interest rate drop
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haha........... probably drop in August now
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JONESY
1:34 Thu Jul 14
Re: Interest rate drop
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kind of a pointless thread now!
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Al Jolson
1:16 Thu Jul 14
Re: Interest rate drop
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Bolty
I'll have you know I have 30% LTV on a £400k Cambridgeshire property............ they will be inviting me in with whores on tap
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J.Riddle
1:13 Thu Jul 14
Re: Interest rate drop
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Most banks will trouser it as usual.
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penners28
1:08 Thu Jul 14
Re: Interest rate drop
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Jolson, no. I was on 3% + br tracker. fixed at 4%
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boltkunt
12:58 Thu Jul 14
Re: Interest rate drop
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Jolson, you won't get an FD mortgage.
85% of FD/HSBC applications get declined.
You being a pikey cunt would mean you're highly unlikely to get accepted.
swt
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Al Jolson
12:51 Thu Jul 14
Re: Interest rate drop
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Clubfoot 12:48 Thu Jul 14
decent rate that......are you free to leave any time and make over payments
I've just become a FD bank customer and their mortgages seem decent
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boltkunt
12:51 Thu Jul 14
Re: Interest rate drop
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Also Hermit, Estate Agents are just having to be estate agents again, rather than just chucking properties onto rightmove and allowing that to do the job tehy have to get on the phones and generate business.
Can't see that being a bad thing either.
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Al Jolson
12:48 Thu Jul 14
Re: Interest rate drop
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Any savvy savers (married / couples) can get 3% on £60,000 in the 123 Santander accounts
Decent return in today's market
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Clubfoot
12:48 Thu Jul 14
Re: Interest rate drop
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i'm 0.89 over base with First Direct on a flexible mortgage
There's probably cheaper out there but i sleep well at night .
good luck people, stay classy
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ludo21
12:45 Thu Jul 14
Re: Interest rate drop
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My mortgage rate is 0.19 above base..... happy days!
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boltkunt
12:45 Thu Jul 14
Re: Interest rate drop
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Hermit, obviously depends on where you buy.
On the outskirts of London, whilst the jump in stamp duty will effect a fair amount of investors due to rental prices being stupidly high they will recover the extra money in no time at all.
Savers have had is shit for years, this doesn't change that.
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Al Jolson
12:43 Thu Jul 14
Re: Interest rate drop
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I'm 2.5 years into a 4 year 2.49% fixed rate
hopefully these rates stay low as I can start to negotiate a new mortgage in 12 month time
I hear banks are adding huge redemption fees at the end of fixed terms and lowering arrangement fees to make deals look a lot more attractive, so make sure you calculate everything and look at the overall mortgage cost rather than just rates people
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subcutaneous
12:41 Thu Jul 14
Re: Interest rate drop
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It might be happy days for all you borrowers, but what about us savers?
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Al Jolson
12:39 Thu Jul 14
Re: Interest rate drop
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Penners you fixed for 10 years at 3%+ BR?
fucking hell hope for your sake we don't see the return of 1980's 12% BR in 4-5 years time
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Hermit Road
12:38 Thu Jul 14
Re: Interest rate drop
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Buy to lets aren't nearly as attractive as they were due to recent legislation. In addition, the buy to let market will be hit for a while by foreign investors being more reticent to step in, personally I think this isn't all bad,
I've also noticed a big change in the attitude of Estate Agents over the past couple of weeks. They've gone from treating you like you're lucky to have their time, to actively chasing you down for properties they're clearly not getting interest in.
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Al Jolson
12:37 Thu Jul 14
Re: Interest rate drop
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not to good if you intend to buy Euros later today or this week
............get them this morning before it goes sub 1.15
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boltkunt
12:33 Thu Jul 14
Re: Interest rate drop
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Will certainly help restore some uncertainty in the market.
Also, more people with savings will end up lumping their £ into buy to lets.
Good all round.
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Troy McClure
12:32 Thu Jul 14
Re: Interest rate drop
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Yeah every penny counts Sniper. At the end of the day you're gonna get a great rate cos theyre all fantastically low so fill your boots.
If you get a fixed deal, you obviously pay more for a longer term - If you can afford the repayments, then I'd suggest the longer, the better.
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