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We're currently on a tracker mortgage (base rate +0.87%) as when our last deal expired last year, the talk was all of successive rate cuts in 2o24.
That's not really happened, and we nearly switched to a five year fixed on 3.89% recently.
That deal no longer exists, and the best rate with our current provider is now 4.09%.
Anyone else who has renewed or switched lately - did you stick or twist?
4.09% is still less than we're paying now, and the idea would be to keep paying what we're paying now so there was an overpayment every month.
Still bitter about Truss and Kwarteng - we were on 0.97% on our last deal.
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fka tommmmmmm