5 year fixed rate

[Ladyof]

1.27 is that decent? Any ideas? Or better rates?

It depends on your loan to value and number of years you want the mortgage

If you use a mortgage calculator you can see the variation isn’t much different in terms of savings

Have you tried money saving expert?

Depends on LTV and fees. Some of the very low rates have quite steep fees and if you have a moderate mortgage the fees wipe out any saving you make over the 5 years.

You really have to calculate it for your particular circumstances and think about whether you want to overpay and such like.