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Tej Talks
High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]
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If rates don’t change and you stay with Kent’s free switches:
- The 2-year fix wins clearly: more monthly income, same equity outcome, no compounding of fees.
- The 5-year fix only wins if you value stability and think rates will rise significantly in future.
If, however, rates go up at renewal time — say the 2-year deal jumps from 3.34% to 5.5% later — then over 10 years your total cash flow could drop below the 5-year’s.
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