Mortgage Question.

[Radley]

We are thinking about re-mortgaging and just wondered if anyone knows of any good deals, or any websites that may help.

we're looking at the oneaccount one at the mo but we are also very happy with our Abbey flexible plus one too!

I would talk to an IFA if I were you.

we looked at a lot of offers online, and a lot of them aren't all they cracked up to be...

for example. northern rock were doing £1000 cashback.
However their other fees were nearly £800 higher than other lenders, and the interest rate was higher.

ditto people offering very low rates... they often had other hidden charges

try moneysavingexpert.com and moneynet

london and country is a site and they are free they are brokers but cover most mortgages

london and country is a site and they are free they are brokers but cover most mortgages

opps it is london and county www.lcplc.co.uk/

motley fool dot com
plenty of money mortage advise
you get updates and they really do help not just a load of spam
----my only recomendation is to try the one account it is not professional opinion but personal.
when we get cold calls about mortgages we say sorry but we are sorted with the one account (virgin royal bank of scotland) and they put the phone down -one guy admitted that he was with them the one account-too although he was trying to sell us a different product
the only one to beat this that we have found is a long term fixed rate with a buiding society but that is if yu are worried the interest rates are going to rise dramatically.

good luck we remorgaged to extend as could not afford to move.

Radley please please speak with an independent mortgage broker, either one that's been mentioned here or perhaps one local to you.

There's over 30,000 mortgage deals on the market at the moment, and for you to check out each one would be impossible. A broker can find out what type of mortgage would suit you best, and use software to filter your choices. As starlover says, there are often hidden catches which a broker will be able to point out to you. Additionally, we can take into account factors of which you may not have any knowledge, such as lenders service standards - it's no good getting a cracking deal if you can't ever get through to them to discuss any problems you might have. Also, many schemes are only available to brokers and large brokers even have exclusive deals with lenders offering priority rates.

Some brokers do charge fees, but these usually can be negotiated as it's such a competitive market. And even if you do end up paying a broker fee, you'll probably save money by getting a better deal than you would have done trying to do it yourself.

Finally, once you've got your advice, give me a shout if there's anything you're not sure of and I'll try to help!