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@zogy101 But it will even out over 25-30 years, no? Only difference being that I’m stuck with hsbc and their rates. Oh and I have to remortgage every 1-3 years instead of 2-5 and my monthly payments will fluctuate way more often as I’m more exposed to market trends. I dont know, still sounds...

@zogy101 I could be on 4 and 5 and could remortgage all for 3.2%. That example only makes sense if apr goes up and it’s predicted to come down and or stay stable for a bit

@zogy101 So you are saying the same thing as my hsbc adviser which I don’t understand: why is it better to keep two mortgages and be limited to hsbc and their rates over combining them or moving both to another company with a lower apr? Or other advantages like unlimited overpayments?

@zogy101 Hmm sorry but that still doesn’t really answer if I should combine the two and if hsbc was lying that both mortgages need to stay in their name

@filu63 When/how/should I combine these two mortgages into one? We upsized last year and HSBC told us we need to keep both mortgages with them going forward, that can surely not be correct?