Thanks for the links. On it, it's less than a tenner cheaper alright so it sure is bad news! The lender is permanent tsb they told me I must borrow a minimum so am I being conned into agreeing unneccesarily? This looks like the better option alright. Also, I was told that if you switch mortgage lenders, you'll incur a serious penalty charge does anyone know about this? We still have to stay with them for another year I presume, because we're on a fixed rate for 2 years. We're new to the mortgage business sorry if the questions sound dumb!