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fyi... Winterflood Business Services (WBS) is a UK financial infrastructure provider with about £17.5bn in assets under administration and around 61 institutional clients, supporting a much wider downstream network of platforms, brokers and wealth managers. It sits behind major UK investment platforms rather than serving end investors directly. Clients include well-known wealth and platform firms such as Fidelity International, Transact, Quilter, Aviva, and other adviser platforms and brokers that outsource custody, dealing, settlement and reporting to WBS.

Thanks Nik, ok will have a think and whether to hold off (I get the timing Vs time but if there's an opportunity ...) Not long to go anyway

@Adam-Kay it’s not too much of a surprise, each of those cables will have some flavour of SFP connector on each end which could cost in the region of £5k per connector so £10k per cable. There are also very limited procurement options on these. Last I looked into it, Coherent were effectively the sole source. Add to that the network switches required and I’d imagine no expense spared for those then just the connection infrastructure would very easily hit the billions. I’d also like to add that is a beautiful wiring job

Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]

A shame you can’t ’back-date’ your ISA contributions, but at least a reminder to fill them now & moving forwards

@n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.

Thanks Nik, for the update above and the emails. Seems that a few things have coincided, leading to me finding the process a little confusing, but hopefully that will all resolve soon.