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current svr against going for an offset

İ am currently enjoying a 2pc svr but am mulling over going onto a 4.39 no fees offset with ny current lender- my ltv is 32pc and my mortgage 55k but i have about 23k cash i want to remain flexible with-any thoughts or advice
mfw'11 No68- 55k mortgage İO--little to nothing saved! i must do better.

Comments

  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    2% SVR find some where better for the savings rather than offsetting a 4.39%


    First direct have no fee 2.89% offset so why even consider 4.39%
  • de1amo
    de1amo Posts: 3,401 Forumite
    1,000 Posts Combo Breaker
    due to my circumstances i am limited to my current lender because of their favourable acceptence of my income terms-i tried first direct on this advice and their no go!
    mfw'11 No68- 55k mortgage İO--little to nothing saved! i must do better.
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