loans. Abbey and Woolwich are two of the building societies offering flat-rate low cost home loans, amongst others. The Woolwich has a lifetime tracker mortgage rate which has a guarantee of staying at 0.19 percentage points above base rate. At present the Bank of EnglandÆs base rate is 4.50%, therefore the rate is 4.69%. Conversely, the Portman Building SocietyÆs two year fixed rate plan presently stands at 4.19%, still cheaper than the Woolwich ôlifetimeö. You do, however, have to factor in the cost of shopping around, which we have listed: ?Legal fees ú350 on average. ?Application fee ú499. ?Valuation fee ú300 on average. ?Deeds release fee ú199. This is worked out on a loan of ú150,000. The above sums come to just under ú1,350 and the saving on interest over the Woolwich comes out at ú1,500. This means that there is a very small saving on the Portman deal at two years. You would need to find another tempting deal and be ready to switch to it at the end of this period as a 6.5 per cent rate would come into force otherwise. AbbeyÆs Flexible Plus tracker has a slightly higher rate than the Woolwich, at 5.09% but, as the name implies, it is very flexible and will allow you to reduce the amount of money borrowed by offsetting your mortgage and also permitting you to withdraw money from the mortgage. One advantage is that you can make use of the mortgage as a type of savings account. Money withdrawn is charged at the mortgage rate. To sum up, these new loans do seem to be competitive, but the mortgage market alters all the time if youÆre out for the very best deals, check with your on-line broker and find out whatÆs available out there. TheyÆll search the whole market and get you the very best deal. ThatÆs what theyÆre there for! Title: Mortgages. The Pitfall Of Interest Only Mortgages. Word Count: 741 Summary: In the first three months of 2002, just 9% of all new mortgages were taken as interest only - but by the last quarter of 2005, the figure had risen to 23%. And amongst first time buyers, the figures rose from 6% to 15%. (Source: Council of Mortgage Lenders.) The reason is obvious. It's down to family economics. With an interest only mortgage, the monthly repayments only repay the ongoing interest so your monthly repayment is low. Repayment of the capital borrowed is delaye... Keywords: mortgages,interest,only Article Body: In the first three months of 2002, just 9% of all new mortgages were taken as interest only - but by the last quarter of 2005, the
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Dartilly Ritiely Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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