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@tbc
I don't think we even used a broker - I think we went online and saw how low the rates were with Nationwide and stayed with them.
Probably a good advert for why that's a poor idea.
But yes I think keeping the payments as low as possible was a priority - we had more refurbishment to save for and the last lot to pay off on a credit card. But even a 1.2% or 1.5% now would be a dream.