Fibre speed is only 90Mbps (up and down), I pay for 1Gbps

It is the same speed as my mobile phone hotspot 5g:

Your cable between the (O)NT and your modem is probably bad. Could you try another cable? 
 

an faulty lan cable falls back around 93/94 mb. 

Hi @KristonR, 

My instict is also that the issue is the cable, like Ik_Combineer said. Did you try anothe cable, cat6? 

Thanks.. I will check… sorry for my ‘JUMPY’ subject title.  😐

When I connect to actual WIFI I am getting 300Mbps - Turns out I was still on wired when I performed the comparison test.

I have a NETGEAR SWITCH - could be that too

That shouldn't be the issue. If you want to know for sure, connect your laptop withtout the switch directly to the modem, preferably with another (cat6) cable. 

Or an cat5e cable. That is also good for 1Gb lines.

It is the cable yes - between the router and the switch… probably damaged somehow since it is a bit exposed near the skirting board and doors 

Thanks for your help.  Im a little embarrassed of my poor diagnostic skills