Which Rate is Better

Hi everyone,

Please give me your views on these 2 rates. We already have an AIP from bank 1. Rate from bank 2 is from mortgage advisor.

Bank 1
LTV 95% at interest 5.49%
4 year fix then SVR currently at 3.99%
£499 product fee including booking fee £99
£1000 cashback after completion.
Free convenyancing (minus searches) from bank's panel

Bank 2
LTV 95% at interest 4.99%
5 year fix then SVR currently at 5.69%
£499 product fee including booking fee £199
I have to find and pay for convenyancing
Advisor fees £249

Thanks.