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Nationwide mortgage rates
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Your situation may make your explanation valid, but it won't work for most people.
It's only sensible to keep switching between "no fees" products, if you have a small mortgage. For larger amounts, it's more sensible to choose products with fees. By having unsynchronised halves of your mortgage, you end up paying twice as many fees, as well as always being tied in to the original lender.
That was sort of the point I was trying to get across.
I have been in the same situation myself, and I took a "no ties" product on the further advance precisely so that I could remortgage the whole lot away when the main mortgage came to the end of its tie-in.0
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