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3yr fixed @ 4.49% or 2yr fixed @ 3.99% but with £499 fee

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Ok so I'm very tired at the moment, and I can't work out which one would be better!

Basically, we're selling our house and buying another, and as such are borrowing some more money off our mortgage provider - Yorkshire Bank.

They've said they can do this by offering us another - separate - mortgage, one of the two mentioned in the title of this thread.

Currently we're on a 5yr fixed with them which ends in Sept 2014, and would ideally like to 'combine' the two mortgages at the end of the fixed term.

I'm thinking we pay £499 for the 2yr fixed which would then mean we could combine the two different mortgaged in just over 2 years time...

...does that sound the best way of going about things??

Thanks for any help/advice :beer:

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