best fixed rate mortgage?

[vannah]

At the moment? ANyone got one they are really pleased with...
I havent a clue where to consider, I just know I want fixed rate and Im not sure I want a broker (previous bad experience)

thankyou

[carolyn1941]

ooo yes I just got one through(1 week ago) with Abbey fixed at 5.72% for 3 years. There are a few good deals out there still!

[KatyMac]

Yorkshire Building Society have just offered me 5 yrs at 6.09% with no fees or 10yrs at 6.09% at £50 fee

Not sure if they are good rates or not tbh

[lilyloo]

Vannah i can promise you won't get a bad experience with my dp he has an ad on mnet here and can search the whole of market for you and isn't charging any broker fee to mnetters.

[amelie]

You don't want a fixed rate. You want a tracker. Interest rates are probably going to go to 3.5% next year - and if you're on a fixed of 6.whatever% you won't get the benefits of it....

[KatyMac]

Do you think

What happens if the house prices fall - won't interest rates go up?

[vannah]

thankyou everyone, lilyloo thankyou will look at ad - I have an appt to see someone at my bank tomorrow morning

[doggiesayswoof]

I feel safer with fixed, even though rates are currently going down.

Co-op are doing 3yr at 6.09% with no fee. It's not the absolute lowest out there, but I am going with that - I like the co-op and I like the no fee thing.

Vannah just remember your bank will only be able to tell you about their own products.

[lilyloo]

No probs Vannah as doggie says they will only tell you of thir products though so still worth shopping around and at least you have some idea off here at what rates you can get by doing that.