Thanks alot for your good advice :)

I sat down and did a bit of number crunching and also think i would be better off with the IF one.

I have the two key facts infront of me, the IF one has a table of the payment schedules under section 15 but the natwest one dosnt have a section 15. To be honest I have found natwest to be less than helpful and they offer an very un-personal service from which you are pushed from pillar to post. This alone has made me want to chose IF over them.

But anyway, cutting to the point, I ended up going for the IF offer due to the HLC. I think the whole HLC idea is quite unfair and is not helping first time buyers at all.

Thanks again.
Lee