After much decision i'm going to stay with the Chelsea. And i will pay a larger sum next time. I also found out that i have the option of making over payments of 20%. So i might think about doing that.

Dixons have just rung me up, and i have agreed to chat with them. They can find me a cheaper one, but there is an arrangement fee. But i could use part of that 2 thousand towards that instead..., but i would have to pay more as it couldn't be done in time for the 2nd september (which is when my current rate runs out)