Re-mortgage advice please

tinkerbellkirst

Hi,

Our fized term with Santander is due to end in Jan 2013 and we want to move as they are hiking their prices.

We had a broker round the other day who gave us a few otions 2 2 year fixes for about £10 less a month, or a 5 year fix for about 80p more a month!

2 year with platform home loans and the 5 year also with these, any info on this lender?

another 2 year with nationwide but theres fees added onto that.

House Value: 100,000
Mortgage: 84,000
Term: 33yrs

I have just noticed that First Direct are offering a 5 year fix though, that will make our payments about £407 a month from £429.

What do First Direct look for, should i contact them direct and see what they say?

Thanks
Kirsty

kingstreet

Is there anything unusual in your financial make-up? Platform isn't the kind of lender you choose for rates. It's the specialist lending arm of Co-Op/Britannia.

tinkerbellkirst

Nothing Particularly unusual,

I work part-time earning £10,900 a year

Partner works full time earning £21000 a year

We get tax credits of currently about £8000 a year though it goes on childcare so we dont see it.