have banked with them for donkey's years, but always had mortgage with Barclays for some reason I have forgotten. Needed to remortgage to fund some improvements. To cut a long story short, Barclays were so pants, I threw a hissy fit and said they could forget having our business. Went to FD, who could not have been more different. Not one jobsworth in the whole process, loads of text updates, fast, smooth and sorted in less time than it took Barclays to get an application form in the post. Not on commision, honest, but just wanted to fly the flag for excellent service. [hsmile]