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Original poster

Current mortgage lender is offering 3.99% for 3 or 5 years (no fees). Would you take it?

35 replies

Tinker · 14/04/2009 13:33

I know it's impossible for anyone to say really and I'm just thinking out loud. Offer has to be accepted by next week. It would already reduce monthly payments by nearly £100 (we fixed at 4.99% 2.5 years ago).

Can anyone TELL me what I should do? I HATE making decisions

OP posts:

lalalonglegs · 14/04/2009 17:22

Sounds a fantastic rate and the no-fees bit would clinch it for me (the fees are getting astronomical).

ickletickle · 15/04/2009 08:55

yes, for five years.

brettgirl2 · 15/04/2009 08:57

Sounds good to me.

It may only be for current customers but please will you share which lender it is so that we can look at their other deals?

cece · 15/04/2009 09:30

We have just fixed at 3.99% for 5 years but had to pay a £995 fee so yes I would definitely do it.

trixymalixy · 15/04/2009 09:58

Who was that with cece?

LIZS · 15/04/2009 10:00

sounds good. We got one similar recently but only for 2 years

lovetoloveyoubaby · 15/04/2009 15:20

sounds like a great deal, fix 5 years for sure!

pavlovthepregnantcat · 15/04/2009 16:09

yes, for 5 years, definitely. Would hate to be caught out when interest rises. In fact we might be caught out as our fixed rate ends in 1.5years!

LilRedWG · 15/04/2009 16:11

We're fixed at 5.65% for the next 21 years (set four years ago). It all equals out in the end.

cece · 15/04/2009 17:27

HSBC but I think they have withdrawn that offer now.

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