Mortgage options

[charlesr]

2yr Fixed:
4.24% with 125 fee. Saves me ?105pcm (compared to my current rate)
3.89% with 924 fee. Saves me ?125pcm (better by ?480 over the course of the 2 years)

If I bung the fee onto the total cost of the mortgage, which am I better off going for?
At first glance the one that saves more pcm would be best, but the fee added outweighs the savings over the course of the 2 years, so I'm wondering if it's better to go for the one with the smaller fee and pay it up front to save getting 15 years of interest on it.

['Press Start']

I would always pay as much as a could to avoid more interest later on in Life. Do you want to stay with your current lender as this new deals has popped up:-

https://mortgages.hsbc.co.uk/mortgage-calculators/offers/

Bite as much into the capital as you can bud!