90% LTV Deals

money_saver2000

Hi, My mortgage deal ran out about a year ago and have been on 2.99% variable since.

I looked at fixing it, but because of the credit crunch/economic downturn, it was more cost effective to stay on variable.

I am now considering a fixed deal as it seem inevitable that the rates will begin to rise.

Looking at the 90% LTV deals, they seem very high than when I looked at them about a year ago (probably due to the economic downturn). About 5%.

Is anyone in the know aware of any 'upcoming' mortgage deals that may be planned as I would like to get the best value for money.

Other than this, I am considering a discounted tracker, but if preferable, would like the security of a fixed rate.

Also, would it be beneficial to see a mortgage broker? (Are they likely to find better deals?)

Regards,
money_saver2000