Mortgages

[Krispie8]

Hi - my partner and I are remortgaging on our property and have visited an advisor as well as going back to our current lender. We have 2 offers that we are comparing but having trouble working out which is best due to "product fees", admin fees etc. Firstly: are there any good sites that we can look at to help us compare these two deals (without having to put in personal info); Secondly: Is it better to pay a smaller product fee and have a higher rate of interest over the fixed term?

[bednobs]

second question = impossible to work out unless its a fixed rate you are getting, as you wont know whether interest rates will go up or down. If it is a fixed rate it should be easy to work out with a bit of maths ... if you put the prices in, along with the fixed rate period and product fees someone here will work it out for you

[Krispie8]

I can work out the monthly repayments but I'm not sure if it's better to pay upfront more for the product with a lower fixed rate or less upfront with a slightly higher rate (5.24 vs 5.34) - and the product fees would have to be added on to our mortgage.