有从first direct借过钱么？
似乎他家的最便宜
其中有种叫First Direct Life Tracker的，价格特别底，才5.7%APR。
我看其他家同种类型的至少都要百分之六点几，为啥他家的那么便宜呢？
有没有大侠能介绍一下？

guess it is low cost, telephone and internet based website, also belong to hsbc group and has strong backgroud.
my housemate is working for them, i might ask him when i got home.
im using their account, quite happy with their service so far, but havnt touch the mortage area yet.

great,let me know if you heard anything from your housemate...

不能只看利率，还有其他方面。比如说提前还款的penalty，是否tie-in等等。仔细读一下detail info甚至T&C，只看利率的话比较的并不全面。

the cheapest one I found is the life tracker one from Barclays bank, bank england's basic rate+0.74%, no application fee, no early payment penalty. The only problem is that at least 40% deposite was asked.

If you get enough deposite, that's not bad a deal.

刚才看了一下，first direct好象更便宜+0.34 or +0.49，也没有什么early repayment charges


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* tracks the Bank of England Base Rate for the life of the mortgage
* you can make unlimited overpayments
* you can borrow over terms of between 2 and 40 years
* reduced rate when you borrow over £200,000
* see our latest mortgage offers
* no early repayment charges.

eligibility
To be eligible you need to:

* borrow no more than 90% of the property value
* borrow at least £10,000
* agree to repay the mortgage over a term of between 2 to 40 years
* be aged 18 or over
* open a first direct 1st Account if you don't already have one
* use the mortgage for house purchase in England, Wales, Scotland or Northern Ireland for your own use, remortgage or for raising capital by releasing equity. We do not lend for business purposes or buy to let.

interest rate

If total borrowing is less than £200,000:

This is tracked at 0.49% above the Bank of England Base Rate for the life of the mortgage.

If total borrowing is £200,000 or greater:

This is tracked at 0.34% above the Bank of England Base Rate for the life of the mortgage.
fees

If you apply for a variable life tracker mortgage, you will pay an arrangement fee of £399 to cover the costs of arranging the mortgage. This fee is payable at the time of drawdown.

In addition to the arrangement fee you will need to pay for a valuation. You will also need to cover your own legal costs, including Land Registry and other directly related completion fees. Homebuyers Reports and Full Structural surveys are available on request. There are no land registry fees for customers remortgaging a property in England or Wales, and no money transmission fees.

You will have to pay a fee of £149 on closure of your life tracker mortgage. This fee is waived if you take out another first direct mortgage product at the same time as closing the original life tracker mortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

不过你说的对
在barcly可以借多点
first direct只能借3。5倍

我是用FIRST DIRECT的MORTGAGE的，但是不是LIFE TRACKER，理由是因为年初的时候我看见他家有个DISCOUNT的OFFSET MORTGAGE OFFER，就是在他家的VARIABLE RATE基础上DISCOUNT1%，基本上也就是BASE RATE，直到今年年底。而且那个时候不需要APPLICATION FEE也不需要ARRANGEMENT FEE，更不需要SURVEY FEE，就是不用任何费用，所以我就从HALIFAX转过去了，当然咯，我在HALIFAX的那个2-YEAR FIXED RATE DEAL也在今年4月到期了

他的LIFE TRACKER的确比很多银行要低，理由我不太清楚，我个人打算在年底我的那个OFFER（DISCOUNT 1%）到期之后，我再考虑是否要转过去LIFE TRACKER

不一定是3.5倍的，我借的就比3.5倍多，要打电话过去和他们谈过才知道到底可以借多少。不过我也是FIRST DIRECT的1ST ACCOUNT客户

你这样转来转去，银行不加收钱么？

恩，俺也有他们家的帐户
希望能多借点吧
不过他们的电话是084的，手机打，贼贵啊

因为我们在halifax的fixed rate deal已经到期，所以没有early repayment penalty的，不过关闭它的mortgage账户，肯定有一定的account closure fee。但是不转的话，fixed rate deal到期之后要转成他们的variable rate，目前好像是7%，也太高了，一个月我付的利息就比在first direct多100多200镑（目前我在first direct的deal是5%），而且当时转去first direct是因为他们在做promotion，所以不用application fee，不用arrangement fee也不用survey，等于我就是不用花钱就可以转过去咯。

至于年底之后要如何打算，哈哈，到那个时候再想咯

你登陆你的网上账户，留言给他们，让他们打给你。或者你打过去之后，让他们回拨电话给你，我当时就是这样的。不过如果用landline打的话，好像也不贵，手机就比较贵，因为我都试过

今天打了他们家的电话
可惜啊，他们不管share ownership的贷款