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Sorry for reviving this thread but wondering if anyone has any input as EBS wont entertain me over the phone and dont give anything away. I ended up fixing for 1 year in 2015 with EBS which ended in August 2016, I reverted to SVR 3.7% and now tempted to fix again for 1 year @ 3.5% but unsure...

Last September I fixed with EBS for 1 year @ 3.5%. Im in huge negative equity so im not going anywhere for the foreseeable. If they drop svr by 0.15 to 3.55% would be an utter insult! Don't want to fix again for another year as we just dont know what is going to happen rates-wise. Also emailed...

Thanks all - Yes Pguyo you are right - I was reading the rates off an old letter. Now tempted to even go for 1 year fixed at 3.5% but I reckon I will hold out as advised!

Owe 247k over 37 yrs and in negative equity. Currently on SVR of 4.58% with EBS, due to reduce to 4.2% (?) after recent announcement. I can fix it for 2 years at 3.6% which in my opinion seems a good call. Should I wait for further reductions or fix now? Any advice appreciated.