Remortgage

Annie021063

Hi all
Our current fixed rate is due to end at the end of Jan 2007. So like the money saver I have become (thanks Martin and this site) I am trying to sort this myself and get a new good deal. So where do I start? I have looked at the remortgage guide and sent off my details to the L&C. We have an outstanding mortgage of approx (need to take exact figure from current lender) of £130,000 on 5.09% we want same figure over 18 years. Would like to get longest fixed rate I can as I am fed up of sorting this out every 2 years. However I am not sure whether 5 year fixed is good thing to go for should we look at 2/3yr fixed too or tracker or ????. Also, am I likely to get a remortgage offer from my current lender? Will I have to barter for one? Or will they simply put me on their variable rate? Also have all necessary insurances but feel I could be paying over and above for them so need to look at them too. Which is the best thread for that on here??
Sorry for all the questions but these threads and you people have never let me down on advice before so I hoping you will come through now.:T
Thanks