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and continue to do so...

Great news... Mortgage rates are dropping nicely atm and so good to hear you're happy (y)

I third this... As i mentioned when i responded to a couple of posters, it is all about personal preferences and this can only be understood by way of a meeting with an IFA who would ask questions to understand your goals, preferences and attitude to risk. Good luck to any of those who decide...

https://www.bbc.co.uk/news/business-63411783

Lenders price their products every 5% and so improving your loan to value can never be a bad thing. Having said that, if you can get a better interest rate on your savings than you are paying for your mortgage then you will make more money doing it this way. You could then make a much bigger...

Its all about your personal preferences of course but with rates being what they currently are, id suggest that if your savings account is achieving more than 1.99% (your mortgage rate) then you are probably doing the right thing atm.

Lets hope so for our clients, family and friends sake. I'm hopeful that things will calm further in 2024 and that rates may drop even further in to the 3's. We shall see

Nationwide now sub 5% for existing clients atm and of course subject to change and loan to value

A couple of lenders have actually dropped their rates this week for existing clients looking for a new deal... 2 and 3 year deals are generally being offered too. The rate is generally higher than the 5 year offering though.