Remortgage Advice

tessy_t

I bought my house in September 2007 for 90k, I put down a £18k deposit. At the time I was earning 20k per annum, I'm now only earning just under 16k as have had to take a part time job. My worry is that when I look to remortgage in September I will in effect be asking to borrow around 90% of the house value which is now around 79 to 83k, and based on my current salary I'm not sure what sort of deal I will be offered or whether I will be accepted at all? I do have a relatively small debt owed on credit cards but I have managed to pay my mortgage for the last 18 months even when my salary was reduced. Should I stay with my current mortgage lender (C&G) and what sort of chance do I have of getting a good deal elsewhere? My current mortgage is a fixed rate of 5.2% ending in September. I would ideally like to lower my mortgage payment each month as I am not earning as much anymore, is this possible?

Thanks for any replies.