At ICS Mortgages we have a suite of discounted variable rates for our existing Owner Occupier customers.
So they are not accessible on the website nor is their policy?My fixed rate is due to expire, what rates will I be offered?
Approximately 4 weeks (1 month) prior to your fixed rate expiring, we will write to you and explain the rate options available to you
I've got confused by their website before. It looks like parts of their website haven't been updated since ICS re-entered the PDH market at the end of 2019. Prior to that 'existing' customers meant those that were part of the initial spin-off when BOI sold ICS.When you search their website (maybe its just me) but it seems very shady
They then call you back with an offer after a week or so.
I applied was offered a variable rate at first 0.3% higher than available to new business(drop of .25% for us) and when I pushed for a fixed rate they came back 0.5% higher than new business rate drop of .5% for us)
Key message : keep clean credit record & retain ability to move and negotiate if a credit institution starts playing dirty
Probably same for many Lenders though - if you are a bad credit they squeeze more out of you , good credit they have less hassle with you but they get less money from you too.
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