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In pointing out that before 2007 nobody was in the least bit thinking about the regulation of banks, like the Government from the time and most MPs, Sir Mervyn is spot on. When the Bank was guilty, it was only part of a wider climate of neglect and complacency.The third definitely striking factor was the lack of due process which surrounded the removal of Bob Diamond as chief executive of Barclays. Not surprisingly it was entirely understandable that regulators, realising the public anger sparked by the libor scandal, should lean around the board to get rid of him.But the way it was done sounded suspiciously like the law from the posse and once again makes the case for far more vigorous governance at the Bank of England now that it is taking on responsibility for prudential oversight. You can't have the Governor on the Bank of England running around like some type of wild west gun slinger.But just as astonishing was that the Barclays board had so tiny inkling of how far regulators had lost self-assurance in Diamond. As King said, it might be possible to overlook one particular or two instances of sailing close towards the wind, but in Barclays case there were quite a few.The cheapest-ever five-year fixed-rate mortgage really should cut homebuyers' costsThe lowest five-year fixed price mortgage ever seen in Britain is getting launched today by HSBC, among the biggest banks within the planet.Borrowers having a 40pc deposit or that a lot equity in their home will likely be able to lock into a rate of two.99pc fixed for 5 years.Although there is certainly a hefty ?��1,499 booking charge along with the loan is only accessible directly from the bank, mortgage brokers gave a cautious welcome towards the initiative, which aims to stimulate Britain's depressed housing market exactly where turnover has collapsed and house costs in most places outside London are falling. Some predict other major lenders will soon follow suit with similar rate cuts.David Hollingworth, a director of mortgage brokers London & Nation said: "This is the lowest-ever five-year fixed rate mortgage and is nicely ahead in the rest of your pack."Nottingham could be the current lowest price at three.69pc using a ?��1,499 fee but to 75pc loan to value (LTV). At this price there's small or no margin over most trackers on the industry and it will definitely appeal to these borrowers that have been mulling more than whether it is the correct time to repair and know exactly exactly where they stand for the medium term."Jonathan Harris of brokers Anderson Harris, agreed: "This would be the cheapest five-year repair we've seen and is a part of a general trend amongst lenders to cut down their fixed prices."Funding rates have fallen, so we count on those lenders who have not however cut their fixed rates to do so inside the subsequent handful of weeks. It really is fantastic news for borrowers hunting for extended security but never repair for longer than that you are completely sure about - otherwise you are going to be hit with hefty early repayment charges once you attempt to exit, especially as porting a mortgage is so much more hard these days."Another note of caution was sounded by Ray Boulger, a director of John Charcol: "Whether individuals can in fact get this price, that's an entirely diverse query."Clearly, some will but our knowledge is that HSBC are even a lot more picky than other significant lenders, and slow also, when is comes to assessing mortgage applications."We have had numerous situations exactly where perfectly credit-worthy clients have come to us after getting rejected by HSBC and we have been in a position to obtain a perfectly satisfactory alternative mortgage for them, albeit generally at a price slightly greater than HSBC's. However, a mortgage you could get on decent terms is far more helpful than an awesome mortgage price from a bank that declines you."But Peter Dockar of HSBC said: "Every borrower has diverse requires from their mortgage. We recognise that quite a few are looking for certainty with their mortgage payments over the longer term."This would be the lowest ever five-year fixed rate to come towards the market and together with the security of our retail deposit funding we are committed to offering competitive rates to advantage our customers with what exactly is for lots of, their largest monthly commitment."But Mark Harris, chief executive of mortgage broker SPF Private Clients, remains sceptical. He said: "This is often a incredibly very good deal as long as you're one of the handful of borrowers who will tick the two dozen boxes HSBC insist you tick around the application form and also you can wait eight weeks for the offer you letter. 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