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@rhowe
We got a 5 year fix with ybs at 3.34%
Fees came to about £1200 including the valuation. Added the £845 arrangement fee to the loan and made an extra payment to cover it as soon as we completed (apparently if you pay the fee up front and they turn you down or you back out you don't get it back whereas if it's added to the loan you never get charged unless it all goes through. I have no idea if this is true). Nationwide does sound like a good deal - I assume you can port it to a new property should you wish to move within 10 years?
Building society repayment terms are usually great too - allowing you to underpay up to the value you have overpaid, letting you use the mortgage account like a savings account.