Hi all,
I took my first Mortgage out just over 5 years ago with Halifax. I was fixed at 5.990% for 5 years and they were fixed for in 10 years.
I looked at changing in around December time when my 5 years were up and I could deffinately get a cheaper rate at the time. However, due to being crazy busy with weddings and work I didnt get around to changing my rate and have began paying a 6th year. Am I now fixed into the whole year or can I get out any time after the 5?
I found it very cheeky of Halifax to send me a letter offering me new lower rates now 5 years were up however automatically renewed the old 5.990 rate and continued to charge me.
I owe approx £53k on my house valued at around £115k
Im determind to get this sorted today and have checked my credit rating with experian which is at 972.
I have tried to call Halifax and after 35 mins on hold on 0845 number I gave up.
I took my first Mortgage out just over 5 years ago with Halifax. I was fixed at 5.990% for 5 years and they were fixed for in 10 years.
I looked at changing in around December time when my 5 years were up and I could deffinately get a cheaper rate at the time. However, due to being crazy busy with weddings and work I didnt get around to changing my rate and have began paying a 6th year. Am I now fixed into the whole year or can I get out any time after the 5?
I found it very cheeky of Halifax to send me a letter offering me new lower rates now 5 years were up however automatically renewed the old 5.990 rate and continued to charge me.
I owe approx £53k on my house valued at around £115k
Im determind to get this sorted today and have checked my credit rating with experian which is at 972.
I have tried to call Halifax and after 35 mins on hold on 0845 number I gave up.