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  • Fed up to the back teeth of my mortgage going up every month for the past nine months and reckon I must be able to get a better deal

    If you are 'out of contract' with your existing provider they should be able to offer you a new fixed deal directly without having to use a broker and without having to divulge everything about your financial situation. Maybe.

  • Nah, they aren't offering new mortgages at this time. Or ever. I'm with the bunch who took over when Northern Rock went tits up. Should have sorted something out ages ago, but while interest rates were practically zero, it wasn't really an issue. It is now.

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