Desertweasal
That must be on a mortgage taken out over 4 years ago surely? Most now are around the 4.5 - 5% mark. My HSBC is 4.5% with half of this fixed for the term and the other half linked to the libor rate. They offered 0.5% arrangement fee which was subsequently removed altogether during negotiation.
I you don't ask, you don't get. Unless you're married to my ball and chain and you don't bother asking because you know for certain you ain't getting!
Harry