Locking in a five-year fix only increases the best deals currently on the market to 1.41 per cent from HSBC,
again at 60 per cent maximum loan to value and a fee of around £1,500.
And even securing the certainty of a fixed-rate mortgage for the next decade could cost those squeaky clean
borrowers who successfully apply for the best deals on the market as little as 2.13 per cent, again from
Halifax.