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  • We just remortgaged - Our broker found us 1% lower deals (although we aren't doing standard mortgages, don't have standard income, and are partly transferring).

  • We’re fairly standard all round I think. The best they’ve found is 2.09% with some cash back which compares reasonably (but is still worse overall) to 1.89% with First Direct.
    It’s also taken me a while to work out a good way to compare stuff but total cost/capital paid off gives a handy ratio of value for money.

  • a good way to compare stuff

    Spreadsheets, all the way. Most spreadsheet (Excel, LibreOffice etc...) will have a function that gives you monthly repayments based on mortgage type, nominal, interest rates, number of repayment etc... It makes comparing upfront costs & amortised costs very easy.

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