> Because, you know, when the principle is drastically more money than you
> will ever own, and the term is the rest of your entire working life,
> compound interest is pretty steep...

Don't worry about it, you can swap to another product as soon as any 
offer period is over - and usually it's a good idea to do so as the bank 
will revert you to some ridiculous rate by default. I found 2 year 
fixed/tracker (as the base rate won't likely change any time soon) to be 
a good compromise.

Also I'm sure you're aware they try to take advantage of people intent 
on the lowest interest rate or lowest initial fee by offering various 
combinations of fee/interest rate. Just set up an Excel sheet with it 
all in (including any offers like cashback) and see which leaves you 
best off after a few years (not after 30 years!).

> On the one hand, I don't want to slow things down any more than they
> already are. On the other hand, I want to find the best deal.

Use the internet (comparison websites are a good place to start, then 
move on to the banks themselves), websites are open 24/7 and once you've 
found the one you want I've found most banks have phonelines open quite 
late in the evening to answer any questions or set things up.

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