I have been looking at the 12 month fixed tariff on offer. The monthly payment is obviously alot higher as expected but significantly more again until NOV 22. I have a debit of around £900 on the account....would this be the reason why? I have considered paying a lump sum and bringing the account up to date but have heard it doesnt affect the monthly payment?
TIA
To be honest, given recent events I'd probably strongly recommend locking in a fixed rate deal as soon as possible. If you make a one-off payment now to bring your account into credit, this will indeed be factored into your monthly payments. It might not result in them changing immediately but it should bring them down within the first six months or so.
The easiest way to do this would be to pay off the balance just before generating a quote for a fixed rate deal. The system should then see that and recalculate accordingly.
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