We're currently doing the refinancing dance. We have absolutely no interest in staying with our current bank (TSB) so will change to a more competent bank.

We have some fairly specific requirements (we are expats living in the UAE) so are going through a broker as well as direct.

What sort of 2-3 year rates and incentives are folks getting at the moment? We've been offered a fairly modest discount (.05%) and $3750 so far but we're interested in others experiences in the current market.