Regarding not telling, I told EVERYONE. For years. Where I work there are around 80 people, all of whom had mortgages or were going to have one in the not so distant future. Of those 1 (one) switched to a tracker after several years, and 0 (zero) of 1st time buyers took this option. Of the one, this person stayed with ICS at .9% and when I asked why he didn't just go to NIB, he said he couldn't be bothered. Of outside work friends, 1 (one) switched, again after a period of time. The latter bring me/us to dinner once a year as a 'thank you'. I couldn't have tried any harder for people to keep their hard earned money. Total ambivalence.