So, my 3 year fix is up in April. I've been shopping around, chatting to Habito and made an appointment with a broker. I also looked at switching to a new deal with Nationwide (my current provider).
Nationwide (my current provider) have offered me a deal which I'm happy with.
Habito originally offered me a worse deal but will now match Nationwide's offer.
I can get a lower monthly payment by switching provider but I'll have to pay an initial fee + legal fees to change meaning it's more expensive. (My deal with Nationwide is 94% of the "best" deal from MSE)
So, I filled out a few forms. They've assumed the new value of my property (it's gone up a bit, I have no issue with the new valuation) instantly and gave me a new offer. I applied. They've confirmed it and new mortgage starts on Feb 1. No uploading documents/instructing solicitors/people visiting my property, just click, click, save some money, reduce term, click, done.
This to me just seems far to easy... Have I missed something obvious? I found buying my flat 3 years ago pain and stress free and this has again has been exactly the same. Am I just super lucky?
Apologies for the 'how do I do life' thread, but my girlfriend recently remortgaged via Habito and it was a complete faff (though she changed provider), no family members have remortgaged in years and any of my friends that have done rely entirely on brokers to do it for them.
Nationwide (my current provider) have offered me a deal which I'm happy with.
Habito originally offered me a worse deal but will now match Nationwide's offer.
I can get a lower monthly payment by switching provider but I'll have to pay an initial fee + legal fees to change meaning it's more expensive. (My deal with Nationwide is 94% of the "best" deal from MSE)
So, I filled out a few forms. They've assumed the new value of my property (it's gone up a bit, I have no issue with the new valuation) instantly and gave me a new offer. I applied. They've confirmed it and new mortgage starts on Feb 1. No uploading documents/instructing solicitors/people visiting my property, just click, click, save some money, reduce term, click, done.
This to me just seems far to easy... Have I missed something obvious? I found buying my flat 3 years ago pain and stress free and this has again has been exactly the same. Am I just super lucky?
Apologies for the 'how do I do life' thread, but my girlfriend recently remortgaged via Habito and it was a complete faff (though she changed provider), no family members have remortgaged in years and any of my friends that have done rely entirely on brokers to do it for them.
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