First time remortgaging (HELP)

jonnyomlettte

intial repayment mortgage £106,245 fixed 4.99% for 2 years then, S.V.R which is now 4.74%, obviously think ill be saving 0.25% without doing anything at all.

What do i owe on my mortgage after two years?
What deals available to me with similar repayment mortgage over 23 years?
Fixed term ends in april 2013
Any thoughts much appreciated?

Cheers.

Thrugelmir

I assume you are with Santander. In the first instance give them a call.

kingstreet

jonnyomlettte wrote: »

intial repayment mortgage £106,245 fixed 4.99% for 2 years then, S.V.R which is now 4.74%, obviously think ill be saving 0.25% without doing anything at all.

What do i owe on my mortgage after two years?
What deals available to me with similar repayment mortgage over 23 years?
Fixed term ends in april 2013
Any thoughts much appreciated?

Cheers.

Look on your key facts document. There should be a schedule at the back showing the balance at the end/beginning of each year.

We can't tell you what deals you might get because you've told us neither the property value, or the loan to value. With neither, we are stuffed.

You may have the option of a new, customer retention product from your existing lender, or be able to remortgage elsewhere, subject to loan to value.