Lifetime tracker or fix?

Daniellechers

getmore4less said:

Daniellechers said:

@getmore4less ERC is £811. Can get 1.66% Lloyds with £750 cash back as a Club Lloyds account holder. Thanks to @Newnoel for the heads up on Lloyds. Would be £926.85 for both mortgages combined into one for 10 year fix repaying over 13 years. Would this be the better option or stay with Barclays on 2.07% no fee £754 for 10years plus £190 for 5 year fix for separate mortgage. Thanks for your help

The cashback pretty much eliminates the ERC(net £6)  any other fees?

Adding all the fees to the £103k over 10 years a 1.66%rate saves around £2k over the Barclays option.

The second bit goes to a lower rate 1.66% from 1.75%  saves about £100 over 3.5y  then still locked it in for another 6.5y

still showing 1.74% on the sites.

Thank you so much for your help. £275 mortgage exit fee x2 also. Still makes Lloyds better overall and I think I will be happier fixed for 10 years. Going to go for the Lloyds option

getmore4less

Daniellechers said:

getmore4less said:

Daniellechers said:

@getmore4less ERC is £811. Can get 1.66% Lloyds with £750 cash back as a Club Lloyds account holder. Thanks to @Newnoel for the heads up on Lloyds. Would be £926.85 for both mortgages combined into one for 10 year fix repaying over 13 years. Would this be the better option or stay with Barclays on 2.07% no fee £754 for 10years plus £190 for 5 year fix for separate mortgage. Thanks for your help

The cashback pretty much eliminates the ERC(net £6)  any other fees?

Adding all the fees to the £103k over 10 years a 1.66%rate saves around £2k over the Barclays option.

The second bit goes to a lower rate 1.66% from 1.75%  saves about £100 over 3.5y  then still locked it in for another 6.5y

still showing 1.74% on the sites.

Thank you so much for your help. £275 mortgage exit fee x2 also. Still makes Lloyds better overall and I think I will be happier fixed for 10 years. Going to go for the Lloyds option

Check that exit fee think there should only be one as it is 2 accounts on same mortgage.