I was with Smile until I bought the house with Keith 4 years ago, and if.com were the people who gave us a mortgage. I was quite happy with them and found the move-to-Smile process very easy (from my old graduate account with HSBC).

I am very fed up with if.com, who dragged out a perfectly simple change-of-ownership and remortgage process into months and months of faff. Come next September when we are FREEE of them and their tie-in penalty on the mortgage, we are getting a new mortgage and leaving them for good.

Our joint account is with Nationwide, and has been fine so far.