Well I have a good mortgage deal, it is a tracker and can never be more than 0.75% above the BOE rate, so at present Im paying only 1.25% in interest and there was no fee, then again I did take this out some 9years ago, sorry about maybe gloating, appears that with the state of the World at present, these wondeful deals were stopped, it even has a reserve pot of some £30k which you can use