Halifax remortgage advice please

bikeman17

My 3yr fixed 1.5% is due to end in July. 
I have 130k left of 290k property value left. 
Halifax offered fixed 4.09% 5yr, 10yrs  at 3.98% or 2yrs at 4.41%.

I've opted for 5yr fixed however can review again closer time to confirm. 

It's £40 difference between 2 and 5yr, do you think it's better going for 2yr if rates are predicted to drop by when the next renewal is due?

RelievedSheff

We would pick the 10 year fix from those. But we will only have 10 years left when our current rate expires.

We have already agreed we will fix for 10 years at anything under 4%. But we have no intention to move from our current property.

dimbo61

Sorry but No one can answer this for you.
now if you went to an FA or mortgage broker for a full review of all your circumstances they might have a better idea of what might work for you.
Age, kids, partner, job, income, pension, savings, mortgage and debts, lifestyle, long term plans and Risk your happy to take all need to be considered 

MFWannabe

bikeman17 said:

My 3yr fixed 1.5% is due to end in July. 
I have 130k left of 290k property value left. 
Halifax offered fixed 4.09% 5yr, 10yrs  at 3.98% or 2yrs at 4.41%.

I've opted for 5yr fixed however can review again closer time to confirm. 

It's £40 difference between 2 and 5yr, do you think it's better going for 2yr if rates are predicted to drop by when the next renewal is due?

How many years do you have left on your mortgage?