Updated: 27th July 2009 Our bid for our first home just got accepted and now we start the process of going through all the mortgage providers to seriously look at choosing one. We have spoken to the estate agents broker who has referred us directly to some deals without any commision himself - he states he will hopefully make his commission on us buying insurance for the property through him instead. I am currently looking at HSBC and their mortgage deals seems ok but I thought some feedback would be good: Basically: total mortgage to borrow is £100k fixed rate for 2 years at 3.24% rising to hsbc's variable rate after 2 years which is currently 3.94% (but no doubt would be much different 2 years from now...but still cheaper than other places which most are saying 3.99% currently...which would be higher I would estimate two years from now anyways) Monthly repayments of £487 per month. Mortgage arrangement fee of £599 Any views on this? Also any suggestions on better deals? I have checked moneysupermarket to no avail and they dont seem to come close - most fixed rates seem to start at around 3.99% region rising to 4% after the fixed rate period with 4% being the "current" variable rate which makes me think it will no doubt be higher than hsbc's a couple years from now! Phew its confusing I know but im slowly getting my head around it. Tips? suggestions? keep em coming! biggest purchase of my life soon so all advice is welcome!