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Its going to be the default which is going to be the issue, if there even is an issue. We borrowed 95% and I had several missed payments on my credit report, Halifax didn't even mention them. Late payments are one thing, people are not good with dates etc, it happens. Defaults are another thing, it ...

On the 2 year fixed. Value is £265k Borrowing £208.5k £995 fee at 1.68% initial followed by 4.54% standard variable. This is £910 per month. Non fee is 2.08%, same variable and £949 per month. The variable is 4.45% and even if rates rise say 0.5%, I would still be able to remortgage 2 years tim...

We are in a similar position and I am really not sure what to do.



Ours is 5% so our saving will be £300 a month at least so its win win but its would be £380 if I went to a 2 years fixed instead of 5 years...

I believe it varies between lenders. Halifax did a full check on application and then didn't bother doing another one on completion, despite this being months after the original offer. To be honest, just don't make any major credit purchases in that time and make sure you keep up all the payments. I...

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Surely this is a fairly simple question?



Its just about the numbers right?



I have no interest in paying a mortgage broker for something as simple as a re-mortgage, I just want to confirm my thoughts were correct.

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