Product Fees or no Fee

Danny30

I am looking to Remortgage as my current deal ends in April. I will be borrowing £100k over 2 years with a 17% LTV.

I was hoping for some advice on whether I should opt for a lower rate mortgage with fees or a higher rate without fees (Assuming adding the fees to the Mortgage). Some examples as per below.

First Direct - 2 years @ 4.09% + £490 Fees = £483 pm
Lloyds - 2 years @ 4.14% + £999 Fees = £486 p/m 

or 

Barclays - 2 years & 4.38% with no fees = £500 pm
First Direct - 2 years @ 4.44% with no fees = £503 pm

ACG

Is your priority lowest repayment or lowest cost? 
If it is lowest repayment then it would be the FD product. 
If it is lowest cost then it would be Barclays

But just double check the products, some lenders are "green mortgages" and Barclays usually have deals for premier customers so worth checking if you/your home fit criteria. 

Danny30

Hi, well I didn't apply in time so rates have increased.

I know there are no guarantees, but with my deal set to finish in April, would you advise waiting until early January to apply for a re-mortgage in the hope that rates fall a bit again, or is it better to get a deal now on a higher rate and then reapply for another if rates fall. Obviously the latter option would mean a hard credit search and a lot of time on the application for nothing.

Apparently can't remortgage with my current lender Skipton until 3 months before expiry, so until January.