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If you think that then why not go for a tracker, which usually have slightly lower % rates and cheaper arrangement fees? I thought the point of going for fixeds were if you thought rates were going up, or if you didn't but couldn't afford to risk it if they did.

I think you're making it sound much harder than it actually is in many cases. If you have good credit and have a straight forward purchase I don't think brokers really offer much (any) benefit. I bought a house this year. I used the internet for it all. I spent 30 minutes using a couple of...