Tracker rates seem all over the place?

Lord_Vader_2

I'm about to remortgage and had been offered a tracker with the Woolwich at 1.99% above base. Fortunately I shopped around and found a 1.49% offset tracker from First Direct.

Feeling all smug that I'd shaved half a percent off the rate, I looked on the forum here only to see that some people have rates as low as +1% or even +0.79%, and these were very recent rates!

Where do I find these super dooper low tracker rates, or have I missed the boat and my 1.49% is the best I can find. Or should I wait and see, are they likely to come down again?

_Andy_

The latter. All the decent tracker rates were pulled when BOE rate started going downwards.
I stand to be corrected but doubt you'll beat FD/

Gorgeous_George

I think FD's rate is pretty good.

However, I'd want to be in a position to grab a fixed rate before rates start to rise again. Only a slight problem - I don't know when they will start to rise! However, I'd hold out for a fixed rate at 4% or thereabouts, maybe accepting 4.5% over 10 years.
GG