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  • That happened to me, no idea why. It meant that I was in a better LTV band so no-one else could match the mortgage they were offering and I stuck with them but I doubt it was for that reason (I imagine it would be frowned upon if it was).

  • That's the sort of thing I was wondering, as it has meant the same for me, means I've got a better rate than expected for 5 years which should see me through anything Brexit can throw at us.

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