Anyone help with Halifax????

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22 Jan 2008 12:00 AM by Candyfloss Star rating in Cardiff / Mar Menor. 1605 posts Send private message

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Hi There,

Has anyone gto a Halifax spanish mortgage? I have just had my statement for January and it shows 52 euros more than December. Has the interest rate gone up in the last month? I wasn't aware it had. anyone had the same?

Cheers





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22 Jan 2008 11:14 PM by morerosado Star rating. 6927 posts Send private message

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I've sent you a PM. Gina. I saw someone in another forum say same thing.

_______________________



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22 Jan 2008 11:35 PM by Candyfloss Star rating in Cardiff / Mar Menor. 1605 posts Send private message

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Thanks More

Saw it and nobody had the answer there either. Maybe exchange rate but can't see that as it is in euros. Will e mail Halifax tomorrow. Why can't they send darn statements in English?? Trying to learn Spanish but only as far as dos cervezas at the moment





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22 Jan 2008 11:52 PM by morerosado Star rating. 6927 posts Send private message

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Gina .. see this link ? http://www.halifax.co.uk/buyinginspain.asp

Go to bottom, see Speak to our UK Customer Services team on 0845 600 3603 or let us know when it's best to call you back. (Lines are open Mon-Fri between 9am to 5pm).

Don’t call us - we’ll call you!
 

Welcome to the Halifax Banco Hispania Free Callback Service

This service is available 9:00am until 5:00pm Monday to Friday.

Please enter your phone number inc STD (UK Only).  
Please enter your title  
Please enter your name  
When do you wish to be called?
Please disconnect from the Internet after requesting the call if you’re using the same phone line for your Internet access. When you answer your telephone you’ll be connected to Halifax Banco Hispania. Please note that calls may be recorded or monitored for security and customer service purposes.

Your home may be repossessed if you do not keep up repayments on your mortgage.




_______________________



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24 Jan 2008 6:56 PM by ajw Star rating in Aberdeen. 1088 posts Send private message

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Hola

Am wondering if anyone has any specific comments - good or bad - on both Barclays and Halifax mortgages.  I am looking at several options but would appreciate any advice.

Many thanks.



_______________________

www.alhamagolfapartment.co.uk
 




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28 Jan 2008 10:24 AM by sharonw Star rating in Coin, Malaga. 281 posts Send private message

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ajw,

Both good lenders,  but depends what you are looking for,  if requiring maximum borrowing then Barclays LTV includes a mortgage indemnity guarantee premium.     Halifax are very tight on their criteria, infact both lenders will carry out a credit check. Also Halifax 15 year Interest Only option is subject to age/mortgage term. 

 



_______________________

Regards

Sharon

sharon@tmasspain.com

 www.themortgageservicegroup.com

 




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30 Jan 2008 2:40 PM by EyeSore Observer Star rating. 10 posts Send private message

Hi Gina,

Halifax tend to adjust their interest rates on an arrears basis. Depending upon the average EURIBOR for the previous 12 months, that is the rate they apply to a mortgage for the next 12 months.

Sometimes, they adjust the interest rates in line with the anniversary month you originally took out a mortgage. We took one out in July and it is adjusted every August.

Hope this makes sense.





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