Most discussion on this forum has disregarded BOI because they weren't very competitive up until recently. I'm considering going with BOI for my mortgage and just looking for any opinions positive or negative. With a LTV >80% I could get a fixed rate of 3.55% for 1, 2 or 5 years or 3.45% for 3 years. There's 2% cash back up front and a further 1% in 5 years. As long as I don't end up paying their very high standard variable rate for some reason, this seems to be a relatively good deal. Also, I'm not sure how long to fix for. If I choose 1 year, I may be in a position to get to <80% LTV in a year and maybe I could switch to a better fixed rate (has anyone done this with BOI?). 3 years offers the best rate initially so its worth considering. 5 years gives certainty right up to the point where I'd get the extra 1% cash back.