Advice needed - remortgage

musogirl295

My husband and I bought our first house in March 2008 for £155,000 on a 100% mortgage. We took out a 2 year tracker with RBS which is due to end at the end of Jan (trying to do a bit of forward planning!) and we are currently paying at 1.5%. Given the general payments and overpayments we have made and are yet to make before Jan our mortgage amount should be down to around £148,000. I take it that we are going to find it very difficult to move to a new deal due to our low LTV.

Can anybody give their opinions or advice on the possible routes and options?

Some other info - I've been on Zoopla and a similar house sold in Jan for £130,000. When we took out the mortgage it was based on husbands employed income of £31000 and my employed income of £12000. I am now self employed, but netting the same kind of money but I only have 1 year of accounts. Husband is still employed and earning £33000.

Thanks!

_Andy_

Your only mortgage option is to stay with your current lender.