How to get a better mortgage rate? Currently 4.65percent

[nuzuki]

Id like to look into getting a better mortgage rate however im currently a stay at home dad. I was thinking of calling halifax and asking them for a better rate or saying id go elsewhere however I have no wage slips in order to shop about. My friend is paying 1.65percent which made me think I have to manage my investments better.

Any advice is greatly appreciated

 

[PrenticeBoyofDerry]

Your friends rate could be that they was lucky enough to get a decent tracker mortgage, when they were available.

 

[Doggit]

The current rates should be even better, but as he hasn't got any payslips, a new company will tel him politely where to go. I suspect his only bet is to talk to the Halifax, who may take his bank statements into account to show his income. But it might be better to find a mortgage broker first to see if there are any downfalls to going to the Halifax.