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mands
@MrDrem
The size of things is such that it doesn't all that much sadly.
2 year at 0.99% (discount from variable) = 847 per month = 21827 after 2 years (inc fees)
tracker at 1.49% above BOE base = 952 per month = 23147 after 2 years (inc fees)
If we overpay as high as we can, then yes, the 2 year costs £1200 more, and the mortgage would be £4378 lower than if we do the same on the tracker.
But the Tracker is lifetime, and at the same tracking rate as we have now, so no need to fiddle in a couple of years if we're still happy with it, whereas the 2 year, we'd have to look at it again.
goes to do some more sums