fixing after bailout and 4 year plan

G

gelled

Registered User
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hi all. WONDERING HOW THE BAILOUT AND 4 YEAR PLAN ARE LIKELY TO AFFECT VARIABLE RATES. ARE THEY LIKELY TO RISE OR FALL IN COMING YEARS. MY OPTIONS WITH PTSB ARE 4.65 VAR-CURRENTLY ON... 5.25 2 YEAR FIXED.. 5.75 5 YEAR.. CAN'T SWITCH TO ANY OTHER LENDERS WHO'S RATES SEEM MORE GENEROUS..I'M FINDING THIS DECISION HARD TO CALL
 
IF i thought they could predict the future i'd be asking for this weeks euromillions numbers...i'm asking for an opinion on whether to fix or stay put on a variable
 
To be fair, you've asked the same question in 4 different ways this month. The answers are not going to change based on the 4 year plan.
Base your decision on whether to fix or not on your own personal circumstances, do not try and read into what is happening elsewhere.
 
and to be fair its not a decision i can make quickly or without gathering as much info as possible from a variety of DIFFERENT sources. And if asking this a couple of times here is helpful to me..is that not allowed?? not trying to annoy YOU at all.. just in a situation where every and i mean every penny counts
 
I was also interested in peoples views on this.

I am out of my fixed rate (PTSB) the fixed five year will cost us extra but at this time of uncertainty,we have decided to be certain on this,even though it will cost us more than a two year fixed and a lot more than the variable.
 
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