The fixed term on our mortgage is coming to an end and we're considering changing to a different provider so we can get an offset mortgage. I just phoned YBS for some basic info and the bloke on the phone seemed to have very little idea what he was talking about but wouldn't put me through to someone with more experience. He kept wanting me to tell him what questions I had so he could ask the relevant person and then tell me the answers - except he didn't really seem to understand anything. I was extremely disappointed with the whole phone call and am worried that this bodes badly.
Does anyone else have a mortgage with YBS? What are your experiences?