Hi, the wife just spoke to Santander as we need to renew our mortgage soon and their current rates are:

5 year fixed -
2.99% with a £999 fee
3.19% with a £200 fee

3 year fixed -
2.79% with a £924 fee
2.99% with a £125 fee

We are currently paying 3.99%

Does anyone here have any advice about which one is worth going for and if paying these fees are compulsory, or if there are other alternatives? Thanks!