£599 Product Fee £40 BACS charges over 5.5x the Boe base rate What does it get you a first time buyers mortgage where the bank are 5 days late completing the draw down payment to the solicitor and risk loosing your first home! To top it off not even a sorry or genuine regret! The managers arent mortgage trained so cant help you so you get papped through to a call centre where the manageress refuses to speak to you or acknowledge the size of the problem! I have started a facebook and twitter account to share stories ClydesFailBank look it up and join in!