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And although the lowest five-year fixes are still below 4%, some providers have tweaked their deals upwards in recent days or removed their best buys to control business levels (see stories below). If a borrower agrees an option with their lender to pay less than the agreed amount in their contract, this will be reflected on their credit file. But just talking to their lender won’t affect their credit file or rating and nor will some other forms of support. FCA research has found borrowers aged are more likely to be financially stretched than the rest of the working age population, as well as those living in London and the South East. It also found almost half of those in difficulty (47%) wrongly believe contacting their lender for support would damage their credit rating.
With some exceptions, most variable rate and tracker mortgage holders will feel the effect from their next scheduled payment. HSBC is increasing the cost of its fixed rate mortgages from tomorrow (28 June), page following Santander, Virgin Money and TSB, writes Jo Thornhill. Bank of Ireland (BoI) is withdrawing residential rates available through brokers under its Bespoke mortgage arm from 6pm today (28 June).
Santander has cut fixed rates for residential and buy-to-let borrowers by up to 0.32 percentage points, writes Jo Thornhill. The reductions apply to both purchase and remortgage deals and are available to new and existing customers. The Mortgage Works, the specialist lending arm of Nationwide building society, has cut selected fixed rates for new and existing buy-to-let borrowers by up to 1.2 percentage points. Among its new rates the mutual lender will offer a two-year fixed rate for home purchase or remortgage at 3.69% with a 3% fee (65% LTV) and a five-year equivalent deal at 3.94% (55% LTV), also with a 3% fee.
This may seem low but the surveys themselves are quick to complete and you are always informed how much you will earn before taking part. You can complete the daily poll each day for 5 points and completing the poll 10 days in a row will net you an extra 25 points. If you are an active member your status will improve and you can earn extra points.
Surveys may vary in availability and reward, so being on multiple platforms ensures a steady stream of surveys to choose from. Utilising different sites also diversifies your risk; if one site has a dry spell, you can still earn from others. With any surveys or focus groups you participate in, directly from SurveyClub, you will simply earn cash, no points, so it’s really simple. Like any of the best UK surveys for money websites, the main way to earn points with Ipsos Panel is through completing surveys.
Virgin Money has announced rate cuts to selected residential purchase deals as well as a range of its buy-to-let rates for purchase and remortgage. LendInvest, the specialist BTL lender, has cut selected rates by up to 0.6 percentage points. Rates start from 4.19% for a two-year fix on its standard BTL product. Gen H has cut fixed rates across its range by up to 0.5 percentage points.
HSBC is cutting its two, three and five-year mortgage fixed rates by up to 0.25 percentage points. It has also introduced a ‘300 cashback incentive to new customers who super fast reply remortgage to a fixed rate with the bank. Zephyr Home Loans, the specialist buy-to-let provider, is cutting its tracker product rates by up to 0.4 percentage points.
Generally, surveys that pay amounts ranging from ‘0.50 to ‘1.50 are going to be open to a broader audience or be shorter in length. But it’s definitely good to try and take as many surveys as possible, regardless of the payout threshold. The number of surveys you will be invited to will always depend on the type of focus groups market research companies would like to research for and whether you, as a consumer, image source could potentially match their criteria. You will not always qualify for a specific survey, but even when that happens, at LifePoints, we want to recognise your time, effort, and interest. That’s why you will get a couple of extra points when you start a survey but are not qualified to complete it. Legit survey companies offer the opportunity for people to contribute valuable feedback and get paid.
Halifax has launched a range of three-year fixed rate deals for residential remortgage, available through brokers from tomorrow. The deals start from 5.08% with a ‘999 fee (60% LTV), rising to 5.64% (at 90% LTV), also with a ‘999 fee. The bank, the 10th-biggest mortgage lender, will offer the new rates through brokers from tomorrow (20 October). Two-year and three-year fixed rates for remortgage will start from 5.19% (60% LTV) with a ‘995 fee, while two-year fixed rates for purchase will start from 5.09% with a ‘995 fee (60% LTV). At the same time Santander has launched a range of three-year fixed rate deals with no fee, available to new customers and on product transfer deals. Coventry building society is cutting selected fixed remortgage and purchase rates for new borrowers, including first-time buyer and offset mortgage deals, from Friday (27 October).
Surveys can pay anything from a few pence to ’50 an hour, depending on the length of the survey and the demographics you fit. In some cases, you will even be entered into sweepstakes for sharing your opinion. The average online survey usually pays between ‘1 to ‘5 each and takes around minutes to complete. Other highly paid online surveys are those looking for a very particular audience.
Most mainstream lenders will structure a mortgage over 35 or 40 years, depending on affordability and eligibility, and also the age of the borrower. Lenders are significantly increasing the cost of mortgage borrowing, as was widely expected following last month’s inflation news, to the dismay of beleaguered borrowers, writes Jo Thornhill. Mortgage brokers agree the market has been subdued and there will be a knock-on impact for the housing market. This is because interest rates have climbed rapidly over the past 18 months as the Bank of England has attempted to bring down soaring inflation. The next Bank Rate decision is due on 22 June and pundits now believe the Bank rate will climb further, from 4.5% to 5%.