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  • If you really want to consolidate them then try ringing FD and asking. I'm sure they'd allow you to lump the two together combining them on the longer term of the two. Whether you'd want to lose the flexibility is another matter.

  • It's not a huge faff tbh, I think one rate is 1.89 and the other 1.84 and they both come out of the same account on the same day. I'll ignore it for 2.5 years and then see where things are.
    But it was fairly painless getting the two in place (barring Covid meaning a number of phonecalls getting my initial offer and porting gaps extended as the sale dragged on for 9 months)

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