Remortgaging and possible imminent home move

Avantgarde

Looking for some ideas & guidance please.

Summary
- We've been in our current home for 10 years.
- We had a fixed rate mortgage with Coventry BS which ended back in July, so we're now on the SVR
- Currently low LTV

Other factors
- I recently changed my current account (previous bank for over 15 years), so my current bank account is only a few months old
- been with my current employer for over 6 years
- wife is on mortgage but the mortgage was based on my sole income (she was a housewife at the time). She has now started full time work but has only been employed for 4 months
- 25k credit card debt
- Car finance (PCP) - due to end in March 2019
- unsecured loan ending in Nov 2018 (could pay this off now if needed but it's only about £700)

We were contacted by Coventry BS prior to the rate ending however as we have been considering moving home and had planned to put our house on the market before the end of the year.

We are fortunate to have a low LTV (currently about 28%). However,I also have about £25k of credit card debt (some of it was 0% which will end soon). Paying minimum amount on these but try to add a few hundred every few months. Consolidating that debt would still keep the LTV very low.

I wanted to avoid another fixed rate as we would need to increase our mortgage for the future house move and almost all fixed rates have early termination charges.

I'm always nervous about credit checks. I have access to my credit file using Noddle & Clearscore etc but no idea how those scores look to mortgage lenders.

I just found that Coventry BS have something called a Flexx rate which looks too good to be true. Whilst it's not necessarily the best rate, using their online calculator it looks like I could (assuming they approve it) pay off the £25k credit card debt and reduce the mortgage payments by close to £150 month. As there is no early termination charge with that product as and when we sell it should mean that we can repay that mortgage and take out a new product at that time (which also means that I won't have the existing CC debt which I imagine doesn't look great). I would also look to close two of these three cards once they are paid off.

Given my circumstances, is it worth me:

1. just speaking directly to Coventry BS to see what they could offer on the Flexx rate (or indeed any of their fixed products - although I suspect as we want to move soon fixed is definitely not worth going for). Any idea what their re-mortgage process is like for existing customers - the website just says call us and allow 45 minutes for the call

2. finding a decent independent mortgage broker - is there an easy way to find good ones (other than asking around?)

3. wait until we put the house on the market and see what kind of interest we get