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Try the Coventry Building Society, Tim.

Communism !

And the trouble is it is no better now 4 years on. The facts are 2% of people are very very rich, 10% are well off, the rest either work their nuts off to scrape by or don't even scrape by and that is what the capitalism model has given us, sure I participate in it but you have to earn a living...

The whole capitalism model has been smashed almost beyond repair.. It will take decades to correct the last 5-6 years. Maybe the Russians had it right after all ?

There have been some horrendous losers but also a lot of winners that is for sure.

Happy to help.

It might be worth looking at a 5 year fixed rate to budget. Anyone thinking of getting a 3-5 year fixed rate act fast as swaps have gone up a lot and a lot of lenders are pulling them. They are the lowest they have ever been.

I know my chosen field inside out. What worries me about interest rates is that people have become accustomed to an unrealistically low rate on their mortgage now. That is what happens when the BBR stays at 0.5% for 51 months. A lot of people were paying 5-6% on their mortgage rate in 2007/2008...