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High Fee / Low Rate? What Should I Pick For My Remortgage? [Property] episode artwork

EPISODE · Oct 31, 2025 · 25 MIN

High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]

from Tej Talks

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. Hosted on Acast. See acast.com/privacy for more information.

What this episode covers

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. Hosted on Acast. See acast.com/privacy for more information.

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High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]

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Frequently Asked Questions

How long is this episode of Tej Talks?

This episode is 25 minutes long.

When was this Tej Talks episode published?

This episode was published on October 31, 2025.

What is this episode about?

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...

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