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Apologies miscalculated that in my head, you're right, he wouldn't be eligible.

The difference is marginal and it gives you that little bit of comfort. To each their own, I don't know what this chaps risk profile is, I was just expressing my preference. And as seen on my previous example you can actually get a better rate on the fixed 2 year than the SVR with HSBC and the...

You have to be careful with IFA's they don't work for nothing so either have deals with Mortgage providers therefore probably not giving impartial advice or they will charge you a fee... So although the obligation isn't there it may end up costing you regardless.

No worries, personally I would go for the 2 year fixed as I think rates will still be as low as they are now in two years time and you can just fix it again then.

so 74% LTV(ish) You can get a 5 year fixed with First Direct for 2.54% increasing to 3.69% APR SVR after those 5 years which is a pretty good deal if you want to lock it in for 5 years. You can always switch to another fixed rate at the end of that term if rates are still low. Alternatively...

How much have you got to put down?