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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!
hoefla-
I don't really want to go into it here, but we're remortgaging with the same provider so their assumptions are the same as when we bought the house 5yrs ago.
We used a broker. Well actually the broker we used first time around called us up and did everything, which with a little baby and work suited us fine.
hugo7
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.