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Scarlett write | When your fixed rate mortgage ends...is it best to switch companies or stay? |
Also do you have to get all the papers and valuations done again to be approved? little concerned as now work part time not full time.
Additional Details
Just a little bit more info...I'm with Halifax in the uk. The fixed rate deal ends this Sept before changing to adjustable.
Also to complicate matters further it is a joint mortgage with a friend. We are 23 & 24 years old and both single at the moment. She works full time. I'm now a full time student who works weekends. |
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cld224
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The best thing to do is keep your current mortgage for about 3 years and then refinance when the rates are lower. You don't have to stay withthe same mortgage company. Let them compete for your business and go with the best one for your situation and best rates. |
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togashiyokuni2001
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Are you talking about refinancing? As long as you're past your prepayment penalty, there is neither an advantage nor a disadvantage to staying with your current lender. Check that. If you refinance with your current lender, you probably won't have to restart your escrows. Aside from that, though, go with whoever can get you the best deal. |
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acermill
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You may want to check with your current mortgagor relative to any terms offered in the initial mortgage. Some firms were offering and are still offering 'conversion' from ARM to fixed rate for a conversion fee. If that option is not offered, then the other answers here apply quite accurately. |
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trish s
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If you want good advice on this,it would be best to talk to an expert..Martin Lewis is excellent,he's been on the radio.Most likely has a website ... |
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mortgage help
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call your current company and ask what they will offer you. Most likely it will be a little easier with them, but you will be able to find a better deal elsewhere... you just have to be willing to put in more work. |
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coachstrusz
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I have been in the mortgage business for quite some time now. It doesn't hurt to ask you current mortgage holder to give you a fixed rate, but understand that you will still have to go through the same process.
So don't be afraid to call a broker who is approved with many banks and see what he or she can do, and at the same time check with the bank you are at and go with the best rate.
I can help you, but it would depend on what State you live in. I'm approved to do business in MN and WI. |
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success.trail
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Hi there,
When and if you switch don't forget to check what fee's are involved to set up with the new company. Sometimes even know they have a marginally lower interest rate the fee's may make it not worth it. If you see a good mortgage broker they would be able to do all the comparisons for you.
Cheers, ToNy!
"Success.Trail"
P.S. Always remember interest rates go UP and DOWN. |
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Gavin A
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Your best bet would be to let a Financial Advisor do the work for you as they are now so tightly regulated they are not likely to try and receommend something that is not the best deal for you.
Make sure you tell them your full circumstances and make sure the advisor shows you the mortgage tool they use. our advisor had a laptop with up to date details of over 11,000 mortgage products.
We recently switched providers and the best deal for us was not the one with the lowest rate of interest. Sometimes getting the best deal means paying more up front. It is well worth considering especially as it may well save you money in the longer term. Again we went for a 5yr fix which suited us, we had higher fees to pay but will save at least £2.5k over the next 5 years which is well worth it.
You can ask the advisor to run a model that shows how much money each mortgage would cost you over the first 5 years, which was what we did. we paid £150 for the service and the advisor did alot of the form filling and chasing up for us.
I hope this helps you.
Gavin |
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Louis G
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I am assuming that you have an adjustable rate mortgage that is about to leave the fixed period and become adjustable? IF so you might want to start shopping around. Interest rates look to be on the rise. The Fed is continuing to try and fight inflation so I would expect atleast a couple of rate increases this year from them. you really want to be in a 30 year fixed mortgage. It's much safer and you can plan long term with more certainty. IF rates drop again in the future you can always try and re-finance again at a lower fixed rate. |
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