Hi all, I'm currently on a fixed mortgage with EBS (3.9%) which is to end next month. I have being searching around and found NIB to be the best value. They offered me a tracker mortgage at 4.51% (my LTV is 55%). I met with the manager of EBS to disuss my account and I asked him what can he offer me. He offered me 5.25% at first and because I'm a valued customer lowered it to 4.95% at a tracker rate. When I told him I had actually a better offer from NIB he laughed at me saying I would not be saving anything switching to them. When I queried why he explained that because I would have to open a current account with them and their rates are so high, I would in fact be saving nothing. Is he right or just trying to pull the wool over my eyes? Any advice warmly welcomed. Thanks in advance.