The second mortgage offer has arrived!!

Now then - the comparison.

With UCB/Paribas we would have a variable rate of 3.4%, but the T.E.G. is 5.39%

With CA/Britline we would have a fixed rate of 4.6%, but the T.E.G. is 5.5091%

The repayments are really quite close, at least after the first three months. (UCB give you 50 quid off for the first three months).

The cost of credit with CA/Britline is actually less than with UCB/Paritas.
Thankfully with each mortgage offer they give you a forecast of what you should be paying each month right up to the end (assuming that the interest rates don't change), so it makes it quite easy to compare.

It looks like the best deal is with Credit Agricole Britline.

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