Mortgage choices

[cortisolqueen]

I'm talking to my current lender, but will be checking elsewhere too.

At the moment I need a mortgage that will let me over pay with no fee, so likely to be either the tracker or on the SVR.

I've been offered a tracker at 6.49% or the SVR at 6.37% - both over 2 years.

The variable is a better rate, but of course it depends if the rates will go up again.

Do you think it's worth the gamble?

First direct do unlimited overpayments on their fixed rates.

I didn't know this - thanks!

The tracker rate will also go up - or down - the difference is the variable rate can be set completely at random, the tracker follows the base rate