Yeah I consider myself lucky to be on that rate, especially for the full loan term.

I was on a deal of .39% for 5 years on a 25 year loan, but I decided that I would renogotiate a couple of years ago as I had a feeling it might be a good plan longer term (didnt expect it to do what it has done of course though no one could have predicted that!)
So we had a chat and agreed on an extra 0.1% in exchange for extending the tracker period, which cost me an extra 12 quid a month.

Best money ive EVER spent I reckon!