In May 2003, I moved to a nice bungalow in Kent. The wife and I had enough cash to pay 50% outright so actually only had to borrow the other half. We got a real deal at the time from the Halifax. A 2 year fixed rate at 3.69%, which then after the fixed term period, returned to the Halifax's current base rate. Well, two years has gone quick and I recently go the reminder through the post, that the fixed rate runs out after the 30th June. Well, I didn't like the idea of going up to 6.75% and having to cough up an extra £154 per month. So, I got on the horn pronto (no smutty doubles please) and within 15 minutes had got myself another 2 year fixed rate mortgage. As an existing Halifax customer, this was an easy process. Now it was inevitable that I'd end up paying more each month, but I've now secured a 5.19% two year deal which means an increase of only £68 per month. All things considered, that ain't to bad. My salary has gone up and the cost is covered. Also, I have managed to clear £10K off the original amount borrowed so we're quite pleased. Now, I know this whole subject is extremely dull, and I'm reallly showing my age by discussing it, but has anyone else gone through this process recently? I sure some of the smaller building societies can offer even better deals but they really have you jumping through hoops to get them. Two years ago we tried to secure a Nationwide mortgage, but they wanted so much detail and 3 years of P60's. This was a problem as my wife had recently secured a pay rise and a change of working hours. We had plenty of documentation, but the Nationwide would only accept proven retrospective financial details. Subsequently, they wouldn't accept the fact that our joint income had increased, so we went else where. The Halifax were far more straight forward and even took into account such things as bonuses and ad-hoc contract work. They've been very easy going so subsequently have secured another 2 years of our business. So many people are getting bad deals from financial institutions through pure apathy. Moving bank accounts, mortgages, insurance or credit cards does not have to be a mission. You do still need your wits about you, but a day or two researching on the net can really stear you in the direction of some good deals.