Keef - don't forget that brokers don't cover the entire market. For example, HSBC are still offering relatively good tracker mortgages and they never use mortgage brokers - there are others, but I forget which off the top of my head. The spreads (rate over BoE) are starting to creep up now though. Back in the days I was looking into these things, you were still able to get BoE + 0.19, but you're looking at BoE + 2.0 at the moment. Just make sure you avoid trackers with floors/collars. And sometimes it's worth paying a larger fee to get the best rate/deal over the term of the mortgage. TBH, I'd even consider looking at long-term fixed rate deals now, but I've no idea how competitive those are at the moment. I doubt they're great, but if I could get a 25 year fixed deal at 4.5% then I'd jump at it!