Just getting organised with our mortgage and are very new to the whole process, we are commencing a self build project and are getting the self build mortgage from EBS, they are offering 4.9% fixed for five years or the variable at 5% what is the better option to go with? Also they have thrown in lots of other forms to fill in, such as payment protection and illness cover and insurance would we be better off shopping around for these items and just sign uo for the mortgage with EBS? Thanks for the help.