Finally it's that time again!
I made the mistake of fixing at 4.89% for 5 years as I had a 90% LTV but thankfully it's finally up.
I've been hammering the repayments over the last 5 years so I can get a sensible rate now and thankfully rates have stayed low!
HSBC have said in their letter that with what I have left and current value that my LTV will be 59% (overpaying pays off!)
The rates they are offering for existing customers are
10 year fix at 2.64%
5 year fix at 1.79%
3 year fix at 1.44%
2 year at 1.14%
Lifetime tracker at 2.09%
Obviously I'll be looking around but what do people think.
I can't wait to be on a much lower rate and still be overpaying by more than double though. By by mortgage