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Can someone help me with this mortgage calculation?
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You can get a 2.99% 5 year fix at your LTV if you have a squeaky credit file. 1% saving on £86k for 5 years is £4k less interest (ignoring capital repayments in those years).
That is way higher than the product fee of £1k... but it’s up to you if you can be bothered with the paper work...0
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