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  • Yeah it's just that I've hardly got my finger on the financial pulse, so I worry about staying on the tracker now and by the time I realise it's good to remortgage, the fixed rates start to go up. I may have to wait a bit anyway, as since I've moved jobs my current salary is only 1 month in (took a drastic pay cut for 3 months but it's gone back up), I'm on the wrong tax code etc so it might be a good idea to sort all that out first.

  • The spreadsheet is your friend.

    There's plenty of mortgage calculator templates available. Plug in a couple of scenarios (non-fixed term rate, remortgage with current provider, offer 1, offer 2 etc) and work out which is the best deal for you.

    Likely that the base rate+ model will either work really well or not work at all. If it's close, just go for the long term fixed.

  • Thanks for all the advice. Am looking at a 5 year fixed with additional borrowing for doing work on the house. Seems too easy so far...

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