Back in 2006 I stupidly started a 10 year fixed rate with Nationwide. Since then I've moved house and as there was 6 years left on the fixed rate had to leave that mortgage as is and take a second for the additional borrowing. My LTV is about 74% so the second mortgage is just starting a 3 year fixed at 2.44%. My problem is that I'm not sure what to do with the original mortgage. I can pay £1500 to end the fixed rate early then I could put it on the same rate as the second mortgage and I'd be saving £110 per month. So my question is do I do this or do I see the remaining 4 years out and go on to Nationwide's BMR which I believe tracks at 2% above the bank of England base rate?
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