When to look at re-mortgaging?

windswept

Our 5 year deal with Nationwide is up in July, so how far in advance to seriously start looking for deals?

I'm very tempted by the One account tbh, I've worked out that by rolling everything together and overpaying by £100 a month, it would be paid off in 11 years instead of 15, which is an attractive proposition and we would still be better off than we are now ( by £150 - 200) - it's also not essential to pay it off early as DH gets a nice lump sum from a military pension in 15 years that will be £25 k+.
The only issue is whether 75% ( which is their maximum) LTV is enough to cover remaining mortgage and debts, around £90k in total, I have no idea of the house value, 5 years ago it was valued at £110k and we had an £80k mortgage.
How do we find out what the house is worth? They very rarely come up for sale in our road/adjacent roads, it's been 3 years since a similar property sold for £105k .

beecher2

phone up nationwide and ask them what they have the property valued at or use their calculator

http://www.nationwide.co.uk/hpi/

Was the £110k valuation done by Nationwide - I wouldn't use the figures if they were from an estate agent