Remortgage advice needed please

funkmaster_2

My 2yr discounted rate comes to an end in 3 months. Sealing fee of £100

Have recently got married (having lived together for 5 years) and now want to put my wife on the deeds, so I understand there will be a cost of £150ish to do that.

Circumstances -

House value £125,000 or slightly more (no less)

Current mortgage £69,000
Credit cards all at 0% £28,000
Overdrafts £3,000
No other debts (no store cards, loans etc)

So need a £100,000 remortgage

Never missed any payments, no bad debts, CCJs etc - only thing would be the 0% cards which I guess will have affected my credit rating.

Wage £35,000, wife's £12,000

No savings, so no benefit in offset mortgage. Would be able to overpay, but not by more than 10% anyway (and probably wouldn't, we're in our 30's and would want to have extra holiday and spend it on ourselves - already got one child, no plans for any more so want a few years of enjoying our money)

Don't really want to be doing this again in another 2 years. I'm thinking a 5 year discounted or fixed rate mortgage, but am happy to be told different. I can't work out whether interest rates are going up or down in the next few years so don't know whether a fixed rate is the way to go.

Can someone advise the best out there for us. Currently with Natwest if that makes a difference (I have an advantage account and also a premium banking manager so could get any special rates I guess)

Cheers

herbiesjp

Are you sure you want to consolidate your cards on to the mortgage?

funkmaster_2

No, unfortunately I'm not. I suppose that I'm loathe to go through the remortgage process and a loan process, and then have two payments going out. I appreciate that it will mean paying more back over the longer term if I don't address the mortgage debt but I'm of the mind that I'm entering my earning years and that we want to be cash rich for the coming years and then look at being more agressive in years to come.