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So here's an op on mortgage lender Nationwide instead, because who cares if everyone else has written about them. And hey, mortgages are the new rock 'n roll (okay, they're not but it's all I've got lined up).
A mortgage is the biggest investment most of us will make in our lifetimes. ... Read review
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SOLD Review ofNationwide Building Society Mortgagesby
castlebinn
Advantages: mutual Disadvantages: could become a greedy bank
...an op on mortgage lender Nationwide instead, because who cares if everyone else has written about them. And hey, mortgages are the new rock 'n roll (okay, they're not but it's all I've got lined up).
A mortgage is the biggest investment most of us will make in our lifetimes. It's a loan, usually over 25 years, to buy a home. There are many types but the big two are investment-backed and repayment mortgages.
The former uses an investment product ... ...off interest each month.
Nationwide offers both types of mortgage and, drum roll, is a mutual. This means it can return excess profits to members because it doesn't have shareholders to please with dividends. It does this by having a low standard APR (the rate of interest you pay after any special deals end).
You might get a better deal from another mortgage lender for a few years but over the longer term Natiownide's mortgage should work out cheaper ...
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Advantages: Mutual so best interest of customers(members) Disadvantages: Not fully flexible
...with no direct contact with Nationwide but I did set up to access our mortgage a/c online which is straightforward, you register and they send you relevant details.
Interest is calculated daily and you can make overpayments of upto £500 per calender month without incurring any charges for early repayment.
Any overpayments can be drawn back out when you wish which is a good way of saving as interest is calculated daily.
Tie ins last as long as ... ...up the phone and called Nationwide to see if they could match or better the Halifax offer. And they did! Saving me money on legal fees because the lender would not be changing, valuation fees as the house had already been valued and as an existing customer, they knocked £200 off the product reservation fee. I also was able to request extra money for home improvements and this was dealt with in a manner where I knew they were looking at our circumstances ...
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...been a customer of the Nationwide for over ten years, I have not missed or even been late with a single mortgage payment in that time nor have I ever gone overdrawn. So when it became time to move to a larger house we naturally turned to the Nationwide for our mortgage (mistake one).
I assumed that because the Nationwide was a building society as opposed to a bank they would be in the best position to serve my needs and offer me solutions to any ... ...this one, mortgage through the Nationwide and in between get a job transfer to be nearer to the house. Sounds simple, it should have been.
Everything was going smoothly, got the job, got the mortgage, sold our house, bid accepted for our new home. Wow we were going to be in our new home by Christmas, Yippee!!!!!!
Not so…….
Due to unforeseen circumstances the purchasers of our house had unexpected problems which delayed the process. ...
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Advantages: Large range of products, helpful patient advice, award winner Disadvantages: Interest rates can go UP as well as down.
...about my mortgage from the Nationwide is slightly buoyed by the low interest rate making it a good time to have a mortgage and the increase in house prices is helping too.
Before I even started looking at houses I looked for a mortgage as this is one of the options – and possibly the easiest one to do at the time, so I had a chat with my Bank – HSBC and Nationwide, and what really swayed me was that my parents had their mortgage with ... ...The people at the Nationwide were very helpful in going through the different types of mortgage with me and spent time giving me various quotes (much as HSBC had done) for different products and different loan amounts. They asked questions like “How much do you feel you need to know that your repayments will not change / go up” etc to try to match products to me.
In the end I chose a First time buyer mortgage because it gave a nice easy ...
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Advantages: some good products, low SVR, Disadvantages: Customer service is terrible
...I have had accounts with Nationwide for a number of years and up until now, have dealt with my local branch. I have always been pleased with the service provided, that was until I decided to take advantage of their internet/telephone service, Nationwide Direct. Below is part of a letter of complaint that I recently sent to the Nationwide Direct Customer Service Manager, expressing my discontent with the service I received (I apologise for the length ... ...my recent dealings with the Nationwide Building Society and in particular Nationwide Direct. Having decided to redeem my existing fixed rate mortgage in favour of a base rate tracker and pay a hefty redemption penalty, I contacted Nationwide by telephone to make the appropriate arrangements. I choose to arrange this by telephone, rather than in the branch due to the fact that I have a small daughter and find it difficult to attend appointments. The ...
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