2yr fixed - YBS

planetf1

I've had a stonking 2yr mortgage with YBS at around 3.2% :-) but that was the real low point of rates, and my mortgage fixed term is up at the end of the month.

I should have sorted sooner, but

YBS have offered a stepped fixed rate 3.99% 1yr, 4.69% 1yr (stating this is only available & designed for existing customers coming off the very low rates... sounds fair enough).

They also have a 4.34% for 2 years straight

None have any overhanging redemptions, both have a 690 fee which seems steep but probably isn't.

Both seem competitive, not quite the lowest, but only around .1% off
Also have a 4.49 until 2010, not sure of committing to 5 years though.

I'm going to work through the details, but these seem decent, and probably much easier/quicker to stay with existing lender (I may save from having to pay an extra months SVR for example)....

Hobo_2

Maybe, only you can do the sums on the size of mortgage,but as another choice Bank of Ireland have 4.55% fixed 2 or 3 yrs Fee free & this broker offers rebate!
go top right click "best buys" & input search

http://www.mortgagegenie.co.uk/index.aspx

MortgageGenie

As pointed out by Hobo the size of your mortgage is an important factor as the larger the mortgage the less impact the £690 fee will have. You also need to remember that if you move to an other lender you will be subjust to a mortgage discharge fee... if think ybs charge £199.