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Better to wait?

Hi- I'd be grateful for any advice.

I currently have a £48k mortgage with Nationwide at 0.27% above base rate tracker with 16 yrs left on mortgage. This rate ends at end of Oct and Nationwide rates are now really bad so I didn't know whether to look now before all good deals elsewhere go. HSBC have offered me lifetime tracker at 0.38% above BOE rate for £599 that they can reserve for me until Oct, but I'd need to let them know by today.

i was all set to go with this, but don't know whther should wait until later because of this new deal with banks going on with BOE and Nationwide rates could improve, or would I be better snapping up HSBC deal?

Any thoughts would be welcome.:o
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