Should I fix a tracker mortgage with Pepper?

[3rivers]

Hi everyone. Looking for some advice with my tracker if I should fix or not?

1: Existing tracker margin: ECB+1.5%.
2:Amount outstanding on mortgage:€207k
3: Remaining term :20years
4:Lender: Serviced by pepper.
5: Value of home- 265,000 give or take.
6: Not looking to move or overpay at the moment.
7:No barriers to switching.
8: Looking to get the best possible rate when fixing. I bank with Ptsb so might go to them.

Any advice or help would be greatly appreciated .

 

[Brendan Burgess]

Pepper don't offer fixed rates, so you would have to switch.

permanent tsb is not a good choice - they exploit existing customers so you would have to switch again.

Go for either AIB or Avant.

Brendan

Moderator's note: please post any further questions about tracker mortgages managed by Pepper in this thread.