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My fixed rate mortgage is coming to an end, am I in a good position or not?

Due to the current economic climate am I in a good position or not? I read about less and less mortgages being offered or bought, so does this effect me?
The mortgage adviser at my bank has cancelled two appointments I had, and seems to want me to commit to an offer over the phone. Should I take this? Is this the best I can expect? Or should I be able to shop around?
I feel like I deserve a bit more time, at least a face to face meeting regarding what I am signing into.

The mortgage is only small, around £40,000 left.
Moneepenee:
It is the end of a fixed intrest rate, after 5 years, learn to speak english you muppet.

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    esthersmile
    Posted 7 months ago

    Firstly, always shop around as you won’t know whether you’re getting a good offer or not otherwise. There is a good mortgage comparsion tool on http://www.fool.co.uk/mortgages/compare-mortgages.aspx which should help you.

    Due to current circumstances, you won’t get as good a mortgage as you did last time, but if you have a small mortgage you should at least be able to afford it. If you don’t feel you are getting a good service from your bank then you should let them know, or take your business somewhere else.

      tami k
      Posted 7 months ago

      yes this affects you majorly. your payment is about to go up substantially.

        muneepenee
        Posted 7 months ago

        wot du yu meen “is kuming tu an end”? It was a short term lone?
        A balloon lone? 2nd morgage? equity lone?
        Wen it end, du yu oen the hous?
        —————
        or du yu meen its a ARM with fixed teeser rate the first yeer or 2 & then yu gotta konvert tu sumthang els?????

          Peter W
          Posted 7 months ago

          Current market not brilliant position
          You should have time and should have meeting with whoever is selling you a mortgage…
          Try each main high street bank for an appointment – Barclays , Nat West, LLoyds, HSBC Royal Bank Scotland are the main ones – First Direct are giving some of the best rates at the present – they are part of HSBC but are only available over the phone or internet ( but have very good reputation) also could try Nationwide building society

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