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  • These are my offered rates

    Product Term: 2 years
    Rate: 1.89%
    Monthly Payment: £1,280.67
    Incentives: £500 Cash Back

    Product Term: 3 years
    Rate: 2.19%
    Monthly Payment: £1,324.61
    Incentives: None

    Product Term: 5 years
    Overall Term: 25 years
    Rate: 2.44%
    Monthly Payment: £1,362.57
    Incentives: None

    335,000 property price with 10% deposit. Am i right in thinking that with 3 or 5 year terms i think i'll breach 80% LTV, whereas i dont think i would with a 2 year.. is that something worth considering?

  • LTV is only a consideration when you remortgage.
    Personally I think the rates aren’t going to get much better than that so I would fix for as long as possible.

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