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Nope- summer 14 (further advance with same lender-still had to go through the interview- a pain but straightforward if you have the slightest financial awareness). And wont hesitate to jump ship to their market leading 5 year fixed rate when I feel the time is right.

And to balance up your slanted statement, certain lenders -HSBC/First Direct, will not pay intermediaries, the very banks that if you have decent equity, have market leading tracker and fixed rates! Still outraged that in early 09 an IFA tried to put me on a 2 year and more expensive tracker...