別れの（言葉，会） to the 0 per cent mortgage

By CHARLOTTE BEUGGE FOR MAILONLINE
Updated: 00:55 BST, 23 September 2009

Borrowers on one of the best-selling mortgage 取引，協定s ever must say goodbye to 0 per cent 利益／興味 at the end of this month.

Two years ago Halifax was selling a two-year tracker at base 率 minus 0.51 per cent. Since April the 概算の 7,500 borrowers who took it have been 支払う／賃金ing no 利益／興味.

But that 取引，協定 comes to an end on September 30 - closely followed by an 同一の 見解／翻訳／版 ending on November 30.

Last of a rare 産む／飼育する: The final 0 per cent 取引，協定 will end next April

Borrowers coming off these 取引，協定s will suddenly find themselves 支払う／賃金ing the Halifax's 基準 variable 率 of 3.5 per cent.

This will 押し進める 月毎の 返済s up from £544 to £792 for a borrower with a £150,000 home 貸付金.

Halifax is 申し込む／申し出ing these 顧客s a two-year 0.51 point 割引 off its 基準 variable 率. This would leave them 支払う／賃金ing 2.99 per cent, with 返済s of £752. But there's a £599 料金 and 早期に redemption 刑罰，罰則s.

There are three remaining 0 per cent tracker mortgage 取引，協定s. Two come to an end in December. One was 申し込む／申し出d by C&G and the other to buy-to-let purchasers by BM 解答s.

C&G borrowers will go on to a 2.5 per cent 率 and BM

2.54 per cent. The third, also from C&G, will finish in April next year.

現在／一般に, one of the best 取引，協定s is HSBC's twoyear 割引d 率 of 1.99 per cent (its 基準 variable 率 is 3.89 per cent). Someone with a £150,000 返済 mortgage would 支払う／賃金 £678 a month.

But the HSBC 取引，協定 (which 需要・要求するs a 40 per cent 公正，普通株主権) has an 協定 料金 of £1,199 and 早期に redemption 刑罰，罰則s.

Halifax borrowers with いっそう少なく than 40 per cent 公正，普通株主権 in their home will be better off staying put, because at this level HSBC 告発（する），告訴（する）／料金s 3.89 per cent.

Halifax's 基準 variable 率 is one of the better 取引，協定s - though not as good as that 申し込む／申し出d by 競争相手s 全国的な, Intelligent 財政／金融 and C&G (all 2.5 per cent). But some smaller building societies have high 基準 variable 率s, such as Chesham's 6.45 per cent, and the Newcastle, Nottingham and Stroud & Swindon are all on 5.99 per cent.

Mr Boulger 追加するs: 'If borrowers are on good SVRs, then it makes sense to stay put rather than 支払う／賃金 料金s and get locked into 刑罰，罰則s even if they would 支払う／賃金 a little いっそう少なく each month. But for those on higher SVRs, now could be a good time to 選ぶ up a good 割引d 取引，協定.'