📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Remortgage

Hiya, hope someone can help.

My current mortgage 4.51% fixed is due for renewal on March 2026 with Barclays.  If I stay with them it would change to Tracker BEBR + 3.49%.  Should I stay with Barclays or go for another fixed for 2 years

Comments

  • born_again
    born_again Posts: 25,196
    10,000 Posts Seventh Anniversary Name Dropper
    Forumite
    Depends on rates at the time. But staying with Barclays & just doing a rate switch (new fixed rate & term). Means no messing around with financial checks.
    Life in the slow lane
  • la531983
    la531983 Posts: 4,555
    1,000 Posts Third Anniversary Name Dropper
    Forumite
    edited 20 August 2025 at 6:29PM
    Barclays will let you pick a new rate 90 days before the end of your current one. The only way it ends up going to 7.49% (at current rates) is if you do nothing and let it.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.9K Banking & Borrowing
  • 255K Reduce Debt & Boost Income
  • 456.2K Spending & Discounts
  • 248.4K Work, Benefits & Business
  • 606.1K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.