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Enlightened opinions please...

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I have been offered this mortgage deal from my current lender to stay with them when my fixed rate ends, it is cheaper than any deals they are currently advertising but is it any good in todays market place?

6.2% for 5 years with a £399 product fee...

Also, is 5 years, a sensible time to fix for? I know that it is hard to predict whether rates will go up or down, and how quick but historically, I am told, this is still competative over the long term - is that correct?

Many thanks mortgage whizzkids...
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