Mortgage Payments.

[DimPrawn]

Northern Crock are still pushing loans to idiots at risk only to the taxpayer.

[BrilloPad]

When Base rates were 5% I paid 7.35%. At 3% I paid 5.35%. At 2% I paid 4.85%. And I still paid 4.85%.

Come on Bank Of Scotland. Get your finger out. Just because I have a LTV of about 110%......

[TimberWolf]

My mortgage interest repayments (variable rate) has hardly changed in the last 6 months, still around 5-6%. No wonder Barclays share price has gone up. Keeeerchinggg!

[NotAllThere]

I was offered a fixed rate mortgage two years ago, and got funny looks when I said, no thank-you, I want standard variable rate.

kerching.

[TimberWolf]

I was offered a fixed rate mortgage two years ago, and got funny looks when I said, no thank-you, I want standard variable rate.

kerching.

Is there a web page somewhere that shows what standard variable rate banks and building societies are actually charging? My SVR doesn't seem to have been affected by government interest rate changes.

[ThomasSoerensen]

I settled for a fixed rate 15 year loan in the autumn of 2005. Has been fine for me. It is a 3 %.

[Ruprect]

I've still got about £500 on the mortgage. Costs me about 40p a month.

Hey DP - what is the advantage of doing this? People used to do this so that the BS would hold onto the title deeds etc for you, but these days its all electronic; are there any other advantages to this?

[Ruprect]

Oh, and BR + 0.75% offset tracker.

Kerching

[DimPrawn]

Hey DP - what is the advantage of doing this? People used to do this so that the BS would hold onto the title deeds etc for you, but these days its all electronic; are there any other advantages to this?

Yes, I have a One Account mortgage (so it is actually a secured overdraft), so can draw 80% of the value of my house at any time, using a Visa card, cheque or by bank transfer.

So if I wanted the latest Ferrari, I can walk in, slap down the card and drive off.

[Ruprect]

Yes, I have a One Account mortgage (so it is actually a secured overdraft), so can draw 80% of the value of my house at any time, using a Visa card, cheque or by bank transfer.

So if I wanted the latest Ferrari, I can walk in, slap down the card and drive off.

I see. In fact I'd enjoy the same....if only I had only £500 left on it