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They went in 2008.

If they have come to the end of their fixed rate they are no longer on a fixed rate and paying the lender's variable rate. They need to talk to me. :thumbsup:

No they have been reducing them almost weekly since FFL came in. The trouble is they still only really want 75% ltv and under mortgages and those over that pay a premium. Lender have no appetite to lend at 90% and haven't for 5 years now. A 90% rate is still nearer 5%.