60% LTV deal @ 1.99% or pay £999 for a 1.49% - or WAIT...

manikm

Hey guys, I need to remortgage in November, currently with HSBC.
Valuation is 60% LTV, I want a 5 year deal minimum and the rates being offered are as above...
I have till end of November, but rates can change at anytime (as i found out the hard way - when i received my letter, as i could have got 1.54% with NO FEE! )
Im in two minds to wait until end of Nov, or go with one of these deals....
Do you foresee rates going down?  or do you think these are as low as they're gonna go...
answers on a post card, and THANK YOU for reading....

MaryNB

I can't see them suddenly going down in the next few weeks. They've been creeping up since summer and I don't foresee anything causing that trend to reverse. Mine went up between my initial AIP in July and my application in August. It'd would be a fair bit higher again if I applied today.