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@rhowe
£1200 extra in switching fees to get a 5y fix from YBS(building soc) vs First Direct (banker cunts)?
First Direct seem to allow unlimited overpayments without penalty whereas YBS's terms are the typical up to 10% of the loan per year. Either is fine with me - not likely to be stuffing 30-odd g's away each year and the ERC on YBS is stepped whereas the bank is pretty fixed for the full term. rate is 1.74% for both.