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31 March 2010

Nationwide fixed deal coming to an end... What Next??

Nationwide Fixed deal about to end. If I do nothing I go onto the BMR with a cap of 2% above base. If I choose another product, that will revert to SMR which has no cap. LTV of about 37% I'm tempted to just let it expire and go onto the BMR, saving myself about £100 each month. Risk is that base rates will only go one way from here on in... What would you do? Revert to the BMR with the 2% CAP (effectively a tracker) or go fixed again and drop back to the SMR after 2-4 years???

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