Offer

GET the best offer from your current lender. Call into a branch, pick up the phone or go online. Check exactly what rate you are paying at the moment and ask for the all the alternatives that are available to you. They should include discount deals, trackers, fixed rates and flexible offset deals. You can get more information on all of these on our sister websites www.discountmortgages.co.uk, www.fixedratemortgages.co.uk and www.currentaccountmortgages.co.uk. Check what kind of fees you will have to pay to go onto one of these new best-buys. Fees can range from application fees which can be £699 or more, plus sometimes valuation and legal costs. Always ask if there are any special offers which throw these in for free or refund them when your new mortgage is completed.