It's almost time 10K incoming though I already have an Isa

Dandytf

Seems some movement with Natwide Rates.
No Fees Natwide existing Swaps
2yr Tracker 

1.69 (1.59 +Base Rate)

2 year Fixed 

2yr Fixed 1.49

Decent choice, a month or two yet to decide.

Thanks mser's

jimjames

Dandytf said:

Seems some movement with Natwide Rates.
No Fees Natwide existing Swaps
2yr Tracker 

1.69 (1.59 +Base Rate)

2 year Fixed 

2yr Fixed 1.49

Decent choice, a month or two yet to decide.

Thanks mser's

That was exactly my thought. I can't see the logic in a tracker when fixed is lower and even if base rates go to zero the fixed rate will still be lower

maxsteam

I agree that you should deal with and try to avoid loans and finance.
If you've not yet invested directly in shares, it sounds like you are close to doing this. Why not consider investing a couple of hundred pounds in your favourite FTSE company?

Dandytf

jimjames said:

Dandytf said:

Seems some movement with Natwide Rates.
No Fees Natwide existing Swaps
2yr Tracker 

1.69 (1.59 +Base Rate)

2 year Fixed 

2yr Fixed 1.49

Decent choice, a month or two yet to decide.

Thanks mser's

That was exactly my thought. I can't see the logic in a tracker when fixed is lower and even if base rates go to zero the fixed rate will still be lower

Thanks It had been some time for any movement in Natwide rates, though 2 year fix is tempting.

Dandytf

maxsteam said:

I agree that you should deal with and try to avoid loans and finance.
If you've not yet invested directly in shares, it sounds like you are close to doing this. Why not consider investing a couple of hundred pounds in your favourite FTSE company?

Not quite confident of Individual stocks, dabbled in workplace sharesave.
I think either a few hundred added to existing HL  Managed Funds.
If not, maybe I'll choose a new tech or biotech type fund-something interesting.
Thanks

Dandytf

As Nationwides Mortage renewal reminder drops in.
2yr Tracker 1.69 (1.59 +Base Rate)
Seems I've missed this one, back to 1.99 Zero Fees.

Dandytf

5k loan repaid today- due to debit 1st April.
That's 890 interest saved@150 per month 3.5 years.
I'll continue with HL isa top up until I read recent employers Pension details, hopefully next week or two.
Haven't made any Mortgage swaps, have 2 months yet.