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First Direct Capped Tracker Mortgage
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There don't appear to be any costs associated with the HSBC mortgage. I would have to pay a closure fee of £129 to FD. I believe you can overpay with the HSBC mortgage. The main thing I would lose would be offsetting my salary every month( whilst it lasts!!) and coupleof hundred pounds savings.
If it helps, the value of my offsetting is £81 year to date (less than £10 a month). Not really sure how much 0.5% reduction in the HSBC lifetime tracker would make on a mortgage of £77k?0
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