Well I don't think he'll be adding you for a start.
You've blown it.
( girlinthehole, Sat 20 Aug 2011, 21:29, 2 replies, latest was 14 years ago)

WILL I EVER FIND LOVE ON B3TA :'('''''''

( Light In Chains maker of the ikea sofa, Sat 20 Aug 2011, 21:37, Reply)

Only if you buy me a pint first.

( girlinthehole, Sat 20 Aug 2011, 21:59, Reply)

+ of absinthe.

( b3th Not shit. Not mod., Sat 20 Aug 2011, 22:01, Reply)

Miss Blouse...
...Fundamentally, they're right. Otherwise, why else would I be on B3ta on a Saturday night?

OK, it seems mortgages are the topic of the night, so thanks to anybody who attempted my problem.

With regards to mortgages, and it's my advice only, you can't legally hold me to it, ignore the APR for overall comparison. It's pointless. It's the initial rate of interest (AKA: the teaser rate) which is the key part. With most mortgages, after the teaser rate is over (normally about 2 years, depending on mortgages) you can flip over to another mortgage with another teaser, you're normally under no obligation to stick with the current provider.

Now currently, fixed rate mortgages are at an all time low because the Bank of England (BOE) are nowhere near thinking about hiking interest rates up because the economy is so rubbish. Which means, your best bet (if I were you), would be a tracker mortgage. Funnily enough, I was research mortgages the other day and I saw a very good one from Natwest (link provided here: www.natwest.com/personal/mortgages/g3/variable-rate.ashx?tab=2) it follows the BOE interest rate (currently at 0.5%) and adds 1.99%. This lasts for 2 years (which most economists believe the BOE will hold the interest rate at 0.5%) there's no up front fee to pay and you can overpay (up to 10% of the mortgage outstanding) if you come into some extra money. My advice would be to talk to Natwest about this mortgage but don't forget to ask whether after the initial rate of interest (2 years) is up whether you have the option to move mortgages. You should be able to, but it doesn't hurt to double check.

But whatever you choose, it's your decision.

Hope this helps.
(Don Draper is, indeed, mad and a man., Sat 20 Aug 2011, 21:46, Reply)

I'm getting a mortgage at the moment, I don't understand it, I think I just pay the interest and hope I win the lotto, but I don't really care that much, it's a lot less than rent.
Thank you for helping us out Don, I don't care what everyone was gazing me earlier, I think you're safe.
( G/PP 💩💩💩💩💩&#128, Sat 20 Aug 2011, 21:56, Reply)