DavidLewis

Ro,

Maybe think about moving your mortgage/current account/savings account to Virgin OneAccount (run by the Royal Bank of Scotland)
Depending on how you set your account up (limits etc.) you can borrow/repay as required within the limits at mortgage rates. It does need a lot of discipline as you could suddenly find you've spent all your equity on a MY01 STi.

RoShamBo

iTrader: (1)

All

Anyone know the ins & outs of these type of lenders. Might be borrowing against my house soon & wanted any input.
Terms / rates / conditions etc.

Any help appreciated

Ro.

chuckster

If there is any chance of you repaying early take special note of the terms relating to this! Was a horror story in Which magazine about a fellow getting stung with a pretty big interest penalty after repaying a First Plus (Carol Vordoman does the commercials) loan. The fact there was a penalty was incredibly well hidden in the small print.
Regards
Chuck

ed the dead

You might as well just re-mortgage with a high street lender...

camk

The single account type thing is the way to go if you've variable income as well, good idea but as the man said you need discipline. I don't have one for that reason.

Regards
Cammy

john banks

Previously had Virgin One - switched to Egg and saved 1.2% APR on interest - almost as flexible but not a current account.

Min £200 withdrawal - if >£5k goes into your current account within one working day. No other limits on overpayments/withdrawals, and you can stick extra money in there knowing you can get it back again when you see a car you want Agree discipline is required.

DavidRB