Luminous

iTrader: (3)

Since we talk about house prices a lot on this board I know there are a fair few of you in the business. I went to see a couple of local chaps for "advice". To be honest, within 5 minutes I was getting better deals than they were telling me by reading what their computers were telling them!

Tried some chap over the phone, and even ended up explaining to him how to work out if it was better to pay a fee for a lower rate, or just go with a higher rate. The concept of total cost was not really landing with him.

BTL
3yrs fixed @ 5.95%
portable (this is important)
no fees at all, legal covered
5% early repayment charge
127% coverage
85k balance

Obviously I am after the lowest total cost over the fixed rate period, with no extended tie ins.

If you need to get more specific PMs are the way forward