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I'm only 26, so staying as close to the Flat White economic hub as possible is paramount
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YBS are good but they are total fuckers for service.
Fine if you don't need to do much other than pay once a month, but if you need to change anything, they are beyond useless.
We've had to get them to listen to their own recordings to prove how incompetent their call centre staff are.
They made so many fuck ups with the rates when we switched to buy to let ther we've ended up on a good deal thanks to them having to honour a mistake made over the phone.
Tenderloin
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@rhowe
Well the rate doesn't seem outrageous - YBS has 3.24% with a fee just shy of £1k (I think when you add on some other charge they don't really make obvious at the start, it'd be just over £1k).
£485k gets you something solid in EN1, just saying
http://www.rightmove.co.uk/property-for-sale/property-49458187.html