Might be worth paying the early redemption and going trakker
Low base seems to be on the cards for some time to come
( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:30, 3 replies, latest was 14 years ago)

NOOOO!
Leave your tracker where it is.

Do NOT piss about with mortgages right now.
( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:31, Reply)

He's fixed on an uncompetitive rate by the sounds of it

( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:32, Reply)

But only until September.

(Bazongaloid, Tue 24 Jan 2012, 20:34, Reply)

there's a green day connection in there
base should still be low/the same by then
( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:35, Reply)

I don't see it rising significantly this year

( Naked Ape call me Caitlyn, Tue 24 Jan 2012, 20:37, Reply)

I need to find out what the standard variable is actually
According to a few websites it might be about 4%.
(Bazongaloid, Tue 24 Jan 2012, 20:39, Reply)

sounds about right, unless you have a significant deposit, 50% plus
in which case you might do better
( Naked Ape call me Caitlyn, Tue 24 Jan 2012, 20:40, Reply)

Nah, I think we've paid down to just over 80% LTV at the moment.

(Bazongaloid, Tue 24 Jan 2012, 20:42, Reply)

If you can get 4% grab it.
I've been shopping and am looking 4.5% best.
( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:42, Reply)

I need to look at the paperwork and double check what it's going to revert to.
If it's anything like 4% I'll leave it at that and just keep an eye out to see what happens in the future. We can always remortgage at a later date.
(Bazongaloid, Tue 24 Jan 2012, 20:43, Reply)

Hold at 4%
You'll probably be locked in for five years - you may or may not be giggling at the end of the term.
( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:47, Reply)

No, you misunderstand, my fixed rate period is over, I won't be locked in for any time at all
I'll be free to remortgage at any time.
(Bazongaloid, Tue 24 Jan 2012, 20:49, Reply)

Yes I misunderstand
Take it.
( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:55, Reply)

Base will hold for a good time yet.

( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:39, Reply)

Mixed messages as usual, but in general low base for some time to come
which is nice for 1% over base commercial lendings
( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:40, Reply)

I read it again and realised
The best I've seen recently is 4.5% which is still good.
( The Disappointed Caravanner of the year, Tue 24 Jan 2012, 20:35, Reply)

^I'm being helpful for a change

( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:32, Reply)

You're often very helpful.
This is why I persevere with your nasty phases.
( girlinthehole, Tue 24 Jan 2012, 20:40, Reply)

Cries for help I tells yeh, I'm as fragile as Oxyrhynchus Papyri
I cried when champ died :'('''
( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:46, Reply)

I don't need to google that to know it's fucking fragile.
Poor Rory : (
( girlinthehole, Tue 24 Jan 2012, 20:47, Reply)

I nearly cried reading a book about how to train for a marathon.

(Bazongaloid, Tue 24 Jan 2012, 20:48, Reply)

I wish I could come and cheer you and CHCB on.
Not doable unfortunately.
( girlinthehole, Tue 24 Jan 2012, 20:49, Reply)

Oh not you too.
Clenders is already quaffing it by "flying to Japan".
(Bazongaloid, Tue 24 Jan 2012, 20:52, Reply)

Don't make me feel any more guilty than I already do.
I'll make it up to you at Donnington.
( girlinthehole, Tue 24 Jan 2012, 20:54, Reply)

If I make you feel more guilty, will you make it up to me more?

(Bazongaloid, Tue 24 Jan 2012, 20:55, Reply)

Hell yeah!
I'll swallow.
( girlinthehole, Tue 24 Jan 2012, 21:05, Reply)

Fuck that yo, I manage 7km on the tread machine and I just want to kill myself

( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 20:50, Reply)

What's that in old money?

( girlinthehole, Tue 24 Jan 2012, 20:51, Reply)

4.3 miles

(Bazongaloid, Tue 24 Jan 2012, 20:52, Reply)

I ran 6.5k just now.
Piece of piss, it's the next 15 weeks of running progressively further each time that's scaring the shit out of me.
(Bazongaloid, Tue 24 Jan 2012, 20:52, Reply)

Vipros will drive along in his van as your course support, you'll be fine

( Light In Chains maker of the ikea sofa, Tue 24 Jan 2012, 21:04, Reply)

I am I the only one to notice you're mentioning the distance in kilometres to make it sound you've run further than you have?
Do you think it sounds more impressive than saying you've run 4.03891 miles (if you ran exactly 6.5km)
( Fucking hell Jeff I am not a robot, Tue 24 Jan 2012, 21:30, Reply)

Fixed rate period ends in September
Standard variable is currently lower than our old fixed rate.
(Bazongaloid, Tue 24 Jan 2012, 20:32, Reply)