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Opinions please

Hi, I'm looking to move my mortgage and am interested in the Post Office 5 year fixed rate (4.45%). What is the general consensus on this deal? My fixed rate term finished but with the recent drop in rates my current SVR is down to 4.49%. I have a low LTV (less than 50%) and want a mortgage that will easily let me make regular monthly overpayments as I would love to reduce the term left (currently 12 1/2 years). There are so many products and I have spent a lot of time in the past comparing but was too nervous to commit in the recent climate. Things seem to be settling and I feel I should act before rates start increasing again!!

PS Is this paradigm better than opting for the one account? That seems too good to be true!

Thanks in advance for your advice! :)

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