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Ep 491 - Should you fix your mortgage, best travel insurance checklist, money q's most get wrong
On this week's episode, Damien discusses whether you should fix your mortgage or take out a tracker mortgage. He then talks about how to find the best travel insurance for you, including what to look for in a policy and some tips to save money. Finally, Andy revisits the 2024 weekly podcast quizzes, revealing which questions listeners struggled with the most
Thank you to our sponsor Lightyear
This show is sponsored by Lightyear, a new, straightforward platform offering a Stocks & Shares ISA. With no account, subscription or custody fees, Lightyear’s Stocks & Shares (S&S) ISA will be 10 times cheaper than the average market provider over 10 years (based on research conducted by Capital Economics) and its Cash ISA offers easy access to the Bank of England base rate. Both accounts are flexible, so you can withdraw and re-invest without affecting your annual limit. Capital is at risk and ISA rules apply. Other fees - like foreign exchange fees - may apply. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
0:00:00 - Money to the Masses Podcast Episode 491
0:03:15 - Mortgage Decision-Making: Fixed vs. Tracker Rates
0:06:39 - How mortgage rates are influenced by the Bank of England base rate
0:09:16 - Bank of England base rate predictions over the next 5 years
0:10:48 - What are the best fixed-rate mortgage rates right now?
0:11:32 - What are the best tracker mortgage rates right now?
0:11:52 - What are the best remortgage rates right now?
0:13:20 - Working out how much a mortgage rate increase will cost you when you remortgage
0:14:48 - Should I fix my mortgage?
0:15:05 - Should I go for a 2 or 5 year fix?
0:16:44 - Pros and cons of going for a fixed-rate mortgage
0:17:00 - Pros and cons of going for a tracker mortgage
0:20:08 - When should you start the process of remortgaging?
0:22:13 - What is travel insurance
0:24:43 - How to compare the best travel insurance policies
0:25:15 - How much travel insurance do you need?
0:30:00 - The best travel insurance policies for 2025
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
Support the podcast
You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
View all episodes
By Damien Fahy
3.6
55 ratings
On this week's episode, Damien discusses whether you should fix your mortgage or take out a tracker mortgage. He then talks about how to find the best travel insurance for you, including what to look for in a policy and some tips to save money. Finally, Andy revisits the 2024 weekly podcast quizzes, revealing which questions listeners struggled with the most
Thank you to our sponsor Lightyear
This show is sponsored by Lightyear, a new, straightforward platform offering a Stocks & Shares ISA. With no account, subscription or custody fees, Lightyear’s Stocks & Shares (S&S) ISA will be 10 times cheaper than the average market provider over 10 years (based on research conducted by Capital Economics) and its Cash ISA offers easy access to the Bank of England base rate. Both accounts are flexible, so you can withdraw and re-invest without affecting your annual limit. Capital is at risk and ISA rules apply. Other fees - like foreign exchange fees - may apply. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
0:00:00 - Money to the Masses Podcast Episode 491
0:03:15 - Mortgage Decision-Making: Fixed vs. Tracker Rates
0:06:39 - How mortgage rates are influenced by the Bank of England base rate
0:09:16 - Bank of England base rate predictions over the next 5 years
0:10:48 - What are the best fixed-rate mortgage rates right now?
0:11:32 - What are the best tracker mortgage rates right now?
0:11:52 - What are the best remortgage rates right now?
0:13:20 - Working out how much a mortgage rate increase will cost you when you remortgage
0:14:48 - Should I fix my mortgage?
0:15:05 - Should I go for a 2 or 5 year fix?
0:16:44 - Pros and cons of going for a fixed-rate mortgage
0:17:00 - Pros and cons of going for a tracker mortgage
0:20:08 - When should you start the process of remortgaging?
0:22:13 - What is travel insurance
0:24:43 - How to compare the best travel insurance policies
0:25:15 - How much travel insurance do you need?
0:30:00 - The best travel insurance policies for 2025
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
Support the podcast
You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
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