Best Tracker deal?

katty11

Hi all

Posted a couple of times about fixed rates mtgs and had some really great responses. Been to see they mtg advisor at Woolwich and as a result am now considering a tracker as was only considering 2 yr fix anyway as may be looking to move.

The tracker is 2.89% no fees vs the fixed rate 3.49% no fees on a mtg of 95000 with LTV approx 40%

Anyone find a better tracker deal recently. I am looking for the absolute best deal to allow me to overpay but am finding the comparison sites very confusing!

Thanks

Katty

lightspeed

With 40% LTV there should be much better trackers out there.

Try FD, HSBC, YBS etc...

Trackers with no fees, no ERC's and overpayment facilities would be my priority

katty11

Thanks Lightspeed.

Wondering if anyone has recently signed up to a tracker they can recommend?

The_Palmist

is this 2.89 + BOE ?

Life time tracker ?

The_Palmist

ING is offering Lifetime tracker with no ERC at 1.85%+BOE making it 2.35% for now.

ING is also offering a 2 year deal 1.54%+BOE making it 2.04% for now. No ERC is limited to 10%.

The_Palmist

there is a cost to all ING products mentioned.

£945

d40eq6

I think the ING lifetime tracker is the best going at present. This big margin over base is quite a shock. I'm just coming to the end of a 5 year tracker that tracks below base rate (-0.05%) albeit annoyingly with a 3% floor...Those kind of deals were common until 2008.

Ms_Sophia

The_Palmist wrote: »

ING is offering Lifetime tracker with no ERC at 1.85%+BOE making it 2.35% for now.

ING is also offering a 2 year deal 1.54%+BOE making it 2.04% for now. No ERC is limited to 10%.

There IS an ERC on 2yr ING tracker, it's 2% for 2yrs.

uzubairu

HSBC have a Fee Free Lifetime Tracker at 2.09% + BOE (LTV 60% which you qualify for).

It has no fees or ERCs.
Unlimited overpayments too.