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Guess I asked for this sort of OTT inane response. So much of finance relies on timing; one is fortunate, had to remortgage for new house; other decided to pay penalty to take advantage of lower rates. Cost him 4 figure sum. All others who have fixed rate mortgages could have done same.

Sunday Times has leader that is clear that government should not play ‘fairy godmother’. Only 28% of households are mortgage holders, and many of those have fixed deals that last for some time (two sons have just taken 5 year deals under 5%) so the rest of us will be paying in some way or...