Why is our lender's SVR so much higher than its fixed rate? | Money | guardian.co.uk
Q We are looking to remortgage when our fixed rate expires in a couple of months. Looking at what our current lender is offering, we could go for another fixed rate of 2.99% for two years. But our lender's standard variable rate (SVR) is 4.99%, so I don't understand why would they encourage us to fix at a lower rate than that if everyone thinks the base rate is going to rise. I'm confused.
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