The rates being quoted in press are a lot lower than their website (which hasn't changed from the old Pepper rates)But they are not cheap.
First, I think it's interesting that in most cases where they have a rate, they're matching the best rate in market (ignoring cashback for switching). Both variable and fixed rates - some banks might need to reword their advertising.The only reason you would go with them is if you were refused by all of the other lenders. Or am I missing something?
I assume you mean overpayment before applying a break fee?I can't seem to find it on their site - do they allow overpayments in their fixed products?