The Property Podcast ASK489: Which mortgage deal should I go with? PLUS: Do I need a new EPC?
Aug 12, 2025
Dee weighs three mortgage deals with varying product fees and discovers the highest fee might actually save him money in the long run. Meanwhile, Ryan faces conflicting advice about renewing expired Energy Performance Certificates on his rental properties. Should he act now or wait for a new tenancy? The hosts unravel both dilemmas, offering insights into whether to shop around for mortgages and the best timing for EPC renewals.
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Plan For The Post-Deal Standard Rate
- Check the lender's standard variable rate you'll revert to after the fixed deal ends.
- Rob Bence notes you may stay on it while reassessing the market.
Recheck Deals Before Committing
- If you have time, ask your broker to recheck mortgage products before remortgaging.
- Rob Bence suggests waiting if not pressed and switching brokers if they won't reassess.
Calculate Fee Versus Rate, Not Headlines
- Combine product fee and interest rate to compare total monthly and overall costs.
- Rob Bence warns headline fees mislead; calculate full payments before deciding.