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Hi, i was wondering if somebody could provide me with a bit of advice. my partner and i will have been in our first bought property for two years this coming january. our fixed rate mortgage will be up then adn the rate is going to go substantially higher than we are paying right now. what is the best way to go about finding a better rate from another company and what does it all involve? do we have to pay another company to take us on?thanks in advance! like to add that we are in scotland.

I remortgage e 2 years to get a better fixed rate deal. if you go into your local mortgage advice company they will talk you through it. try the estate agents connells, as they have independant mortgage consultants in each of their offices.each time i remortgage, it costs about £200 for the fees. which works out a lot cheaper than the higher interest rates that i would have paid. that £200 gets added to the mortgage.