I knowledge is power, if you do not know you cant ask and those who do know wont tell.
Its the old old story . knowledge is power, if you do not know you cant ask and those who do know wont tell.
We took our mortgage out with First Active in October 2003 and were offered variable or fixed. On reading about trackers were going to move to BOSI but rang first active and they offered their .75% above ECB and switched our mortgage over. Did this in 2004 after our years fixed was over. It was no hassle but we had to approach them rather than the other way around. They only had started to do trackers after we got our mortgage afaik.
I'd a joint mortgage with the sis and it was originally with UB two year fixed. It was a 100% mortgage. When that finished around '06 I revalued the house and the 100% mortgage had turned to a 75% mortgage with the price increases. I priced around the tracker with NIB was a no brainier. It was something like .28% over the ECB. So I thought I'd have a bit of that. The sister has thanked me ever since...
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