Mortgage options

slhqoue

Hi all, out of these two options does either strike you as 'better' in any way? Interested to canvas opinion and see if there's anything I've missed.

Barclays 1.93% Five Year Fixed (62 months)
Set up fees £1,034 (Product Fee £999 Other Fees £35
Monthly payment £807 for 62 months then £1,028 for 23 years 10 months
MSE Total Cost £9,880 for year 1
Total payable £345,013 3.5% APRC

Halifax 1.96% Five Year Fixed (64 months)
Set up fees £1,199 (Produce Fee £999 Valuation Fee £200)
Monthly payment £810 for 64 months then £1,027 for 23 years 10 months
MSE Total Cost £9,940 for year 1
Total payable £344,628 3.5% APRC

[Deleted User]

If you qualify for both, barclays are a better lender for existing customer rates.
Halifax application process is infinitely easier though.

If you had enough time before you need to complete , I wouod go with barclays.

Expect either a bit of fun with their systems or the simplest process ever. You can never tell which one you are going to get

spokenivandrago

Have you considered a longer fix? for a little more each month you could fix for 10/15 years and have long term piece of mind.