Abbey have some excellent rates 2 or 3 year fixed at 5.47 and 5 year at 5.31.good news with Abbey is that santander which ones them had zero exposure to sub prime.Because they also have a very strong savings performance they have no problem with liquidity ie they bring more money in in savings than they lend.They also don't have to borrow money from other banks.

I have just moved our mortgage to Abbey from NatWest.