Help with product transfer options

getmore4less

pyrex wrote: »

I did some more calculations and it looks like I'd need to remortgage for 3 years at 1.67% including a £1,200 product/broker fee to beat the 1.75% Halifax deal.



This assumes I fix for 2 years now at 1.64% which is one of the 3 options I originally listed.



Getting your crystal ball out, is that rate achievable in two years?

I get a different follow on rate

over 33 years at Y2 & Y5

1 £431,000.00 1.64% £1,434.00 £410,399 £378,203
2 £431,000.00 1.75% £1,434.00 £411,341 £380,533


add your fees £1200 after 2years(owe a bit more than the 5y) and run for 3 years target £380,533

£411,599 1.728% £1434 £380,536

Skint2019

pyrex wrote: »

What kind of deal did you get? How long did you fix for? I’m mainly debating whether I should fix for 2 or 5 years. Just two weeks ago Halifax was only offering over 2% for five years.

Thanks for this, what are the fees on the 2 year?