Avant vs ICS

Avant you can fix for longer @ 1.95% and have a lower subsequent variable rate (though the fact we're taking 5+ years in the future it is at best a signal of where variable rates might be).

ICS you can overpay by 20% of the outstanding balance per year versus half that with Avant.

Aggressive overpayers who expect to pay off their mortgage relatively soon - ICS.

Everyone else Avant.
 
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