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Fix deal coming to an end... Advice required.
Comments
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The payment would be a a couple of quid different to the 3.44% fix you were considering as a rise in 1% would take the overal interest rate of your tracker to 3.49%.
Yes you can switch and fix at anytime. If you go on the Nationwide mortgage tool where you input your house value and loan amount etc, one of the drop downs is "current customer switch and fix" or something similar.
If you go into the "more info" on the tracker I'm sure it tells you in there that you can switch at any time. The only possible fees would be for the new product if you chose to take a product with a product fee.
I know all of this as I'm currently remortgaging to a Nationwide tracker from YBS and I read through it all numerous time :-)
Also, with the tracker you're allowed to make unlimited overpayments with no charges so if, for whatever reason you came into some money, you'd be able to pay whatever chunk you wanted off of your mortgage, if that's what you wanted to do
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