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Mortgage Advice - I have no idea what to do.

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House Bought: September 2010


Price: £116,500


Deposit: 15%


Mortgage: 2 Year Santander Variable 4.74% 35 years.


Further Details: For the last 12 months I have over paid £250 a month which has taken the term down to 15 years and 3 months. The mortgage is in my name and I have no other debt.


So my mortgage is now due for renewal and being brutally honest I don't really know where to start. Santander have put me on to a standard variable rate which is 4.24%, they have told me that this would be a rolling contract.


I had a mortgage advisor when I originally took the mortgage out but I'm not going to be using him again as he shafted me with some fees. Should I try another?


Ideally I'd like a similar deal to what I have with Santander, fairly low repayments with the option of over paying. Would people agree that is the best option?


Any advice would be greatly appreciated.



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Talk to Santander. They will have several options. All mortgage brokers charge fees. Any independent broker will be able to advise you.


Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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