Right time to remortage?

Ivyleaf_2

My other half and I had a fixed rate introductory deal which finished a few months ago, we're not sure if it's the right time to look for another? We find it all a bit confusing and don't want to get tied into a deal for however many years only to find we could have got a better deal if we had waited. What do people think? Any advice would be appreciated enormously.

Trying_to_be_good

You're probably on a Standard Variable Rate paying through the nose. If so, any other deal is likely to be cheaper - there are lots of deals that are two years tied in. With the credit crunch rates will be higher than your previous deal.

If you want more help here, you'll need to post more details e.g. value of house, size of mortgage, current interest rate, any other debts, salaries.

You will still be advised to go to a fee-free whole of market broker.

userb

a tracker, with no product fee and no early repayment charge is better than the standard rate in the meantime. I am on this but wondering the same thing - is it a good time to fix?
Also, there are 'all weather' mortgages like cheltenham and gloucester where you get a better tracker deal (5.84) and can also fix at any time. Does anyone think this is a good idea? thanks!