![High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]](https://s3.castbox.fm/19/e3/99/87aaf4901cb807fd20e100a4b4a9032dce_scaled_v1_400.jpg "High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]")
High Fee / Low Rate? What Should I Pick For My Remortgage? [Property]
Update: 2025-10-31
Description
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.
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