Good breakdown by OP, especially regarding HL fees vs newer platforms. That 0.45% really bites after a few years if you hold a decent balance.
I was trying to decide between moving my ISA to Interactive Investor or T212 last month and used The Investors Centre to check the actual fee breakdown for holding ETFs long term. Helped clear up the hidden costs quite a bit.
Is anyone still holding physical stock in HL just for the voting rights, or has everyone shifted to low-cost brokers by now?