****ing mortgage provider

And this is why I'm really unsure about timing and finances. Got a letter through from my mortgage company: looked at it and thought "Ah-ha, they've finally decided to pass on the quarter point interest cut! Nice one!".
Had they? Well what do you think? Of course not, they decided to actually raise the rate by 0.25% because they can (I paraphrase but not by much). Gits.