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Additional Details
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TTC#1 1m/c | Help, my mortgage is with northern rock? |
we are really concered and not sure what to do? we have 3 1/2 years left with our fixed rate term... but were considering moving and paying the penatly which is around £3000, do you think we are right to worry and should move, or are we just worrying unnecessarily, were really upset, everyone is telling us different things. |
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sleighton78
|
You owe Northern Rock money not the other way around so no need to worry at the moment.
As you are on a fixed rate term then your interest rate can't increase to there standard variable rate.
However, you start thinking about where to move your mortgage at the end of the fixed rate term. If you can find a very low fixed deal then it may be worth paying the penalty (or find a lender who is willing to pay the penalty for you).
Make sure your finances are in generally good order so you have a wide choice of lenders and deals when you do need to move. |
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jimi
 |
Northern Rock is in for the long haul, their future has been secured and I wouldn't be moving my mortgage anywhere at the moment. |
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mark
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There's no need to worry. Unless you have savings (which are now guaranteed) there never has been anything to worry about. HM Treasury are going to call in your debt, and even if they did it would give ample notice before doing so.
Stick with it and save yourself £3k |
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lottsandlotts
 |
I think your mortgage is with the safest bank around at the moment, the only one completely guaranteed by the government because they, therefore we own it. Leave your mortgage where it is would be my suggestion |
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GorGeous_Girl
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stop panicking !! i am amazed how little people know about banking and economy and what happens in a scenario like this, some of the answers you will get are complete rubbish !
now, if you had SAVINGS in northern rock, then yes you need to worry (but not run to the bank and get your money out like hundred of panick mongers did!) but i assume you havent got that.
but if you have a MORTGAGE, that means you OWE the bank money, which is fine with them. even if they were to be taken over by another bank, they will still be governed by the same laws and your mortgage will more or less remain same.
but as it happens the government has taken over the bank, which means it makes this THE SAFEST bank around, and the people who have money in northern rock neednt worry.
so dont worry, dont panic, stick to your mortgage, good luck ! |
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The Ghost
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sorry to say that the chances of everyone who answers your question on here all telling you the same thing are very slim. would go to an independant financial advisor if I was you. |
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Butternut27
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go and see a professional financial ad visor..but in all honesty no one knows what will happen with Northern Rock or the financial services in the next few months..personally I would not bother moving..the penalty of 3K is just the start all mortgages now have arrangement fees of anything btwn 1K and 2.5% of the mortgage..plus some will want a valuation survey which means fees all these transactional costs add up..also the mortgage rates avaliable at the moment are just crap...do the maths and see for yourself if it is worth it right now in the current climate? good luck... |
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Lou & Bump!
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so do we and we were told not to worry, if anything happens im sure all northern rock customers would be notified anyway |
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Mystical Mamba
 |
ahhhhh
and people wonder why the problems arose in the first place......
absolutly no concept of economics
it's fine. carry on as you are. |
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