Cynic-al. There are better deals about than 4.99% but these may carry arrangement fees. It will depend on how these fees impact on the overall cost effectiveness of having the lower rate over the period of time that the rate is fixed for.
E-Mail me at sihills@moneydecisions.co dot uk if you want me to have a look around for you.
I’ll need some fairly basic info from you to carry out a search (i can also point you in the right direction if there are better direct products available as these appear on our sourcing software). I won’t charge for having a look round for you and if i can get you a scheme you are happy with then I can set it up for you as well, normally without a cost to the client, oh and to keep the mods happy for this shameless plug i will also contribute towards the STW beer & kebab fund if i earn any money out of it.
Can’t really say fairer than that :wink: