First direct 2.29, no fee, 5y fixed. Cannot see 1.94
I've just applied for their 5 yr @1.94% no fee
I'm going first direct 1.94% no fee, 5 years.
Either way, I’m inclined to go with my broker. We’re now practically single income with a dependent and also wife’s visa status means we might not qualify for certain deals. At least with the broker it’s 5yrs and he can pretty much guarantee we’ll meet the lender’s criteria.
https://mortgages.firstdirect.com/mortgage-rates-fees/list-rates rate of 1.94 is 2 year fixed mortgage and not 5 year with 20% deposit.