Trading up and a bit limited in mortgage providers due to personal circumstances.
Our choice now via broker seems to be between Avant 7 year fixed at 2.65% or PTSB 4 year fixed at 2.35% with 2% monthly payment reduction if we switch account to PTSB. No cashback with either lender.
It would be a 20 year mortgage ltv less than 60%
I expect our personal circumstances to be better in 4 years. Might we be worse off with PTSB after 4 year fixed rate ends? Is it worth the risk for the lower rate now? Thanks
Our choice now via broker seems to be between Avant 7 year fixed at 2.65% or PTSB 4 year fixed at 2.35% with 2% monthly payment reduction if we switch account to PTSB. No cashback with either lender.
It would be a 20 year mortgage ltv less than 60%
I expect our personal circumstances to be better in 4 years. Might we be worse off with PTSB after 4 year fixed rate ends? Is it worth the risk for the lower rate now? Thanks