HI there
I bought a house with my husband over a year ago. Our mortgage was with KBC as they seemed to have one of the better rates at the time. LTV 80%. My query is how can they have different variable rates for same LTV, when I look online now, the rate offered is a lot lower than what we got even for LTV 80%?. How they ever adjust the variable rate in the future when everyone will be on different rates is confusing. It all seems very unfair.
any insight or help would be appreciated. The rate now is 3.45% interest and APR of 3.51% while our rate was 3.79% interest a year ago LTV 80%