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fix coming to an end - do I stay or do I go?

wallofbeans
Posts: 1,490 Forumite


Hi all,
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
0
Comments
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No point in asking them to match a product elsewhere, they cannot make individual deals.You can talk to a broker though to make sure you are not missing any alternatives.1
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MWT said:No point in asking them to match a product elsewhere, they cannot make individual deals.You can talk to a broker though to make sure you are not missing any alternatives.
I'd say you've got nothing to lose by asking1 -
GrubbyGirl_2 said:MWT said:No point in asking them to match a product elsewhere, they cannot make individual deals.You can talk to a broker though to make sure you are not missing any alternatives.
I'd say you've got nothing to lose by asking
2 -
wallofbeans said:Hi all,
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
If not it's probably not worth moving1 -
penners324 said:wallofbeans said:Hi all,
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
If not it's probably not worth moving0 -
wallofbeans said:penners324 said:wallofbeans said:Hi all,
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
If not it's probably not worth moving
2 -
Edi81 said:wallofbeans said:penners324 said:wallofbeans said:Hi all,
My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35)..
My question is would HSBC match that to keep me? Is there any point asking?
And, how much hassle would it be to move to another provider?
My LTA is 20% and it's not a huge mortgage (90k left) so I assume I'd be accepted by most.
If not it's probably not worth moving
0 -
Have your circumstances changed?If you go with a new provider it’s a remortgage and subject to checks
If you stay with current provider it’s just a product switch so no checks unless you want to change the term or borrow more
When does your mortgage end? As there will be another Bank of England announcement beginning of NovemberMFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0000 -
The interest difference for a £90k loan is £99 per year.
Is the grief to change really worth £8.25 per month to you, that is the question, which only you can answer.0
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