u/BonusKey4442

I've got an offer accepted so now im in the mortgage process and I'd like to query this group for advice on mortgage products. I am currently being offered 4.54 - 4.58% for 2 and 5 year, but I am interested in a tracker (potentially). I was reading that inflation in the UK is expected to rise by the end of the year so we should expect the BOE to rise early 2027. This would only slightly deter me from a tracker because if the BOE went up to 4% + .5% tracker rate I would still be below 4.54%. Although, .04% - .08% flux is not a huge difference on my monthly payment.

What would anyone recommend? I don't expect the global conflicts environment to cool down any time soon.

Has anyone taken a mortgage or refixed in the last 6 months? If so, what did you go with and what market conditions helped you get to your answer?

I've got an offer accepted so now im in the mortgage process and I'd like to query this group for advice on mortgage products. I am currently being offered 4.54 - 4.58% for 2 and 5 year, but I am interested in a tracker (potentially). I was reading that inflation in the UK is expected to rise by the end of the year so we should expect the BOE to rise early 2027. This would only slightly deter me from a tracker because if the BOE went up to 4% + .5% tracker rate I would still be below 4.54%. Although, .04% - .08% flux is not a huge difference on my monthly payment.

What would anyone recommend? I don't expect the global conflicts environment to cool down any time soon. (I am a US national and expect Trump to continue with wars).

I've just had offer accepted and now I need to select my solicitors and mortgage.

I have quotes from 2 solictors, both are over £4K. Is this normal? Here is the quote for the cheaper of the two:

Fee Estimate Breakdown

Line Item	Amount
Legal Fee - Individual Client Purchase	£1,800.00
Building Safety Act	£650.00
Search Pack	£399.00
Leasehold	£200.00
Acting for Lender - Individual Client	£100.00
SDLT / LTT Processing Fee	£90.00
Pre Completion Searches	£60.00
Financial Transaction Fee - Payment Out	£45.00
Client Portal Fee	£35.00
ID Check - Per Person	£35.00
VAT on Fees	£682.80
Total Legal Fees	£4,096.80
Land Registry	£295.00

Does this sound right? And, is there anything I could do on my own to reduce costs?

Now, for a mortgage. Is anyone getting on with a tracker?

On Saturday I 34/F told my partner 33/M that we are not compatible after 3.5+ years of dating. This was after a huge argument that displayed several critical moments that point to incompatibility. And, truthfully, I do not know what to do anymore to get the two of us aligned. I am constantly having to prove my love & devotion.

I woke up Sunday morning to this text (quotation below). Which he had to unblock me to send, and then re-blocked me after he sent it.

I'm not able to upload pictures to my post, but here's the text:

"You better to not talk to me ever again dumb b****

I'll throw you eggs if you trying to ring here.

Go sell your feet online as you've said and go in canary wharf with your friends. Keep it up within hotels you're not even f***ing here fat a** !!! You're a negative multiplication in my life; not even zero !

Useless piece of sh** !!! I have better than it

Don't talk to me ever again ! I'll b*** your stuff !"

[profanity removed and the last *** is -urn]

English is not his first language so just keep in mind some French/English translation. But why on earth would a man ever send a text message like this? I can't figure out what would possess someone to say something like this. But yeah, I definitely understood that I can't go to his house to pick up whatever stuff of mine I left there because it's being destroyed and I'll get eggs thrown at me ....

[ Removed by Reddit on account of violating the content policy. ]