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  • who with?

    Nationwide.

    We originally went with them as we hadn't been in the UK long enough for most other lenders. Previous 5yr fixed was at 2.7ish I think.

    Worth noting though that we're down 65% LTV now, which has an impact.

  • Hmm, my LTV is lower but I'm not getting rates that low. Is it affected by your income? Eg higher income lower risk so better rate? Still going to be half the rate I'm currently on though!

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