Mortgage Lenders

tracker deal - theyll be paying me soon!

Advantages: quick mortgage
Disadvantages: new deals can be uncompetative

...have had a mortgage with Abbey for over two years now. I got a buy to let tracker deal with £250 cash back. (Looking back this turned out to be an excellent choice with the current financial situation) Prices ---------- When i was looking for a mortgage this was the best by far although on other occassions when ive needed a mortgage the deals available werent particually attractive. I would suggest using an independant advisor to find the best ...
...by the mortgage department at abbey to see how my mortgage was going. The mortgage adviser at Abbey National was efficient, courteous and had the information i required. Overview ------------- The Abbey have been the best mortgage company i have had for service and speed. I am now paying a really low rate for my house (but it is unlikely this kind of offer would be available today). I cannot reccomend this mortgage company highly enough. ...

johanna18 26.02.2009 · Read Full Review
Ciao members have rated this review on average: very helpful
Review of Abbey Mortgages

Halifax Mortgages

Advantages: good for 1st time buyers
Disadvantages: did not offer a good rate after fixed term ended, overcharge customers

...of having a mortgage with Halifax and am not reviewing Halifax and it’s services as a whole. I am very much aware that for some they have had a great experience with them, but for me after being a loyal customer for such a long time. I felt that they had let me down and recently I realised that I had overpaid when my mortgage came to an end and successfully received a refund from them. Halifax is a leading building society and has been providing ...
...of Halifax for over 10 years as my parents insisted when I was younger that I had a Building Society savings account (at the time it was the Little Extra Club) so that when the time came for me to get on the property ladder, it would make it easier to get a mortgage if I already had an account with them. So the time came in 2001 when my now husband and I went to Halifax for our first mortgage. We chose Halifax as they were very competitive at the ...

sweetdaisy 21.10.2006 · Read Full Review
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

Woolwich Open Plan Mortgages

Advantages: Payoff chunks of mortgage whenever you want. Offsetting saving accounts, interest calaculated daily
Disadvantages: Can be tempted to borrow to the max

We've had a Woolwich Open Plan mortgage for just over seven years. On the whole we have been very satisfied. The mortgage work by allowing you to set up a number of accounts and under Woolwich a number of saving pots, ie mini accounts that cannot be overdrawn, which can be offset agai9nst the mortgage. In simple terms this means all of these funds are taken off the mortgage total and interest is then calculated on the result. We set up pots for a ...
...being run by our local Woolwich branch we had only one problem. Initially our mortgage was mostly interest only, with an element of repayment. When we paid off a chunk of our mortgage the repayment element was taken off, without any notification to us. However, as the account is online, and it is possible to transfer very easily I just do a weekly transfer to reduce the outstanding amount. This is useful as some months we are to pay off more than ...

odtaa 07.11.2008 · Read Full Review
Ciao members have rated this review on average: very helpful
Review of Woolwich Mortgages

Re-mortgaging with the Royal Bank of Scotland

Advantages: Friendly personal service.
Disadvantages: None that I know of!

...I have banked with Royal Bank of Scotland ever since they took over Williams & Glynn's Bank nearly 20 years ago and while I've had other bank accounts as well, both personal and treasurers' accounts for some clubs I've been involved in, as well as building society accounts, RBS have always won hands down when it comes to customer service and helpfulness. Also, and this is VERY IMPORTANT, you can phone your branch up and speak to a real person instead ...
...happened but I was lucky. The Royal Bank of Scotland are only human, and do make mistakes from time to time. Little ones, in my experience, and not very often. They use their vast electronic machine to help, not to hide behind. I wish all banks were this nice! ...

nikmacve 28.04.2004 · Read Full Review
Ciao members have rated this review on average: very helpful
Review of Royal Bank of Scotland Mortgages

M Shah

Advantages: None
Disadvantages: Numerous

I have a an interest only mortgage with Nationwide, I decided to make an overpayment of £500 to try to reduce my mortgage and monthly payments. This morning I received a letter from them saying that my mortgage payments would be reduced from next month, however, infact they have increased. I tried to call the call centre, and after going throgh hundreds of options, I could not get connected. I phoned the local branch and explained the problem, but ...
...take it up with the head office. I talked to an official who was more interested in identifying me rather than helping me, so I asked to speak to his supervisor who was also of no help. I then asked to speak to her Manager, and he too was useless and unhelpful. I am really shocked that they are unable to sort out such a simple error on their part and no wonder that we are in recession because of the inadeqauacies of people working there. I intend ...

nnennennene 29.01.2009 · Read Full Review
Ciao members have rated this review on average: somewhat helpful
Review of Nationwide Building Society Mortgages