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Are HSBC and First Direct one and the same? The fine print would suggest they are ...
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Reason to accept higher interest rate is that although not been looking at houses for that long in the flesh so to speak, have been looking online and in estate agents for 10 months - house we've found is the only one we have actually wanted to live in (right location, right house, right price).
Always plan on remortgaging at a later date. If speed is of the essence. You are not committed to the lender you choose at the outset for the duration of the time it takes to repay the mortgage debt.0
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