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I'm at 62.5% LTV, now fixed for 4.49 which is just below base rate.
I expect the rate to go down, but just need the certainty and not be bothered to keep tracking the rate. Would have taken a year fixed but it's not on offer. It's fine, I can stomach the difference.
For reference, the tracker is 5.74%.
I expect it to rise and then go down in the run up to Christmas, probably about the same rate this time next year then keep falling there after.
coventry_eagle
0.24% above BoE base rate with HSBC, that's their current rate for mortgages with LTV under 60%.