Mortgage help for someone with no clue (best mortgage??)

Can you help me for a pal as i have no clue and i said i would check if there was a better mortgage that anyone could recommend please. Any mortgage advisors?
Right she has been offered a 5.14 fixed mortgage for 2 years.The house is worth £145k and the mortgage is for £118k. There is no valuation fee charge and £999 for setting it up fee. So she is paying £505 a month.
It is important to have a fasttrack (?) so her earnings are not seen(nothing dodgy i promise).
This is with Halifax.

Any one know if this is good or anyone recommend a better one?


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