Buy-to-let offset

armour

Thanks for all the response.

It's a mature BTL Holly, and I've got two others (on low tracker rates) so reducing tax is important now.

Luckily, my firm introduced a salary sacrifice pension scheme this year so I can take advantage of that to not stray into 40% territory (& make a 12% saving in NI contributions into the bargain) so it's less of a problem.

I hear lots of talk that fixed rates are the way to go at the mo. What d' y'all
think? If you're gonna fix I guess the longer the better.
I like the look of this one:
http://www.bmsolutions.co.uk/products/details/?productcode1=ONG#calcTab
3.89% could look pretty low in 2 or 3 years time and the fee, at 1.25%, would be a reasonable (by today's standards) £1k.
What d' y'all think?