Mortgage co will not give me a deal

chrisnickitom

Hi all, I am new to this so please bear with me.......

Right, I have had a Mortgage with Abbey (Santander) for over 9 years now and have always got a new deal when my current has expired. We always get 3 years fixed at lower rates then the market and are happy to do this.
We have now finished our current deal but the Abbey will not give us a deal but instead say that all we can have is capital repayment at there base rate not the 1/2% bank of England rate. We are paying 1400.00 per month on a 180,000.00 mortgage which we feel is a bit steep.
I think this is happening because I was made bankrupt in 2008 which I have since been released from.
We have never missed a payment on our mortgage.
Can someone please advice on how to lower our mortgage repayments with Abbey or are there any other options open to us.
BR
Chris and Nicki