Tracker ECB or existing Variable LTV

nemesis2001

Registered User
Messages
102
Took out a 289K mortgage is Nov 2006 and fixed for three years at 4.79% (TG). Mortgage with ICS and they have writen to provide us with 4 options:
1. Tracker variable ECB+1.25% (2.25%)
2. Existing variable LTV rate PDH (2.70%)
3. Fixed for two years 3.12% and/or
4. Fized for 3 years: 3.6%

Donot know much about mortgages so would appreciate if someone could comment as to what is best option. Optin 2 means not much to me (LTV and PDH).
TIA
 
Take the tracker unless future ECB interest rate increases will overstretch you.


[broken link removed]
 
TRACKER or two year but monitor all rates with existing lender monthly.
 
Interesting article is WSJ that will lead us not to fix.


  • OCTOBER 7, 2009
IMF Economist: ECB Need Not Hike Rates



ISTANBUL -- The European Central Bank has little reason to raise rates over the next 12 months because of a muted inflation outlook, a senior economist at the International Monetary Fund said Monday.

Central banks have welcomed the boom in asset prices during the past six months. They hope wealth effects lift growth. But they might not welcome the real message investors are sending: expect inflation, and a lot of it.





"The ECB can, as far as we can see over the next year, maintain a very accommodative monetary policy," Joerg Decressin, the head of the IMF's department for global economic studies, told Dow Jones Newswires in an interview.
Consumer prices in the euro zone are likely to rise 0.3% in 2009 and 0.8% in 2010, fresh IMF forecasts showed Thursday. Such an outcome would be well below the ECB's goal of keeping the annual inflation rate at just below 2% over the medium term.
Speaking on the sidelines of IMF and World Bank meetings in Istanbul, Mr. Decressin called for a "staggered exit" by European governments from special measures to stimulate economic activity. Coordination does not mean that "we are all going to hike rates and lower deficits at the same time" -- that's because different EU governments face different challenges, he said.
Turning to Germany's economic outlook, Mr. Decressin said that there are still "slight downside risks" to the country's economic outlook.
The IMF forecast that the euro zone's largest economy will contract by 5.3% this year, before returning to modest growth of around 0.3% in 2010.
"The economic recovery doesn't yet stand on solid feet" and there is a risk that rising unemployment and slack demand may cause further credit defaults, Mr. Decressin said.
Against this backdrop, Germany's incoming coalition government should continue to support the economy, but there is currently "no need to initiate addition fiscal stimulus," the IMF economist said.
 
A 1.25% tracker is very good in the current climate, as all trackers have been scrapped for new customers.

I would 100% go for that option.

It means that for the next 20 years or so you know for certain that the bank will always charge you 1.25 above ECB rate.

Two years ago, when trackers were available, 0.75 to 1.00% was the norm. So 1.25 is not too bad. And very good for now.

Bear in mind that current SVRs are 2.25-3.00, i.e. 1.25 to 2.00 above the ECB, and these are expected to rise.
 
The rate you have been offered seems good. I am coming of a fixed rate mortgage with the TSB and one of the options they offered me was a Tracker Rate of 3.25% + ECB rate totaling 4.25%.
 
The rate you have been offered seems good. I am coming of a fixed rate mortgage with the TSB and one of the options they offered me was a Tracker Rate of 3.25% + ECB rate totaling 4.25%.

PTSB put me on a +2.25 above ECB rate earlier this year which I thought was poor considering variaible rate are still less.
Your rate shows how bad that bank is doing, they must be really struggling or trying to deter customers.