Any one changed mortgages lately and got a good deal
Have been searching internet and get a bit lost on whats a good deal
So thought i would try this great bed of knowledge
Have got about £45,000 mortgage on a house worth about £450,000

For the very first time I've stayed with my existing mortgage company because they offered the best deal. Even my mortgage advisor (a friend of the family) couldn't get better.

I always used to look on ftyourmoney.com

I've remortgaged several times, the last few via London & Country who've found me good deals. Last time was about 6 months ago when I got a 5 year fix at 4.69% on an interest-only basis (giving flexibility to pay more or less each month depending on circumstances).

Best contact them and/or some others to compare what the current deals are, as they can change quite quickly.

Nationwide SVR as an existing customer at 2.5%. If I move I can take my outstanding mortgage over at that rate and add additional to it at 3.28%. That's for 75%LTV.
They've got some reasonable rates on their website. No idea if it's the best but I've been happy with them.

Should probably add that I hear Woolwich are offering Base + 1.48% on a lifetime tracker. Can't imagine you would get much better than that over the next year or two.

I'm not an IFA though, just been looking at the market as I think about moving.

You could try going to a mortgage advisor as there usually free, but make sure they are whole of market, they can also sometimes get better deals apparently.

the trouble with some of the mortgages is the fee
the woolwich is a £1000
and as i now find out i only owe £35000
im not sure its worth it
and the 1.48% is only for only for a year and a bit then goes up to 2.49%
still looking thanks so far

I use Mortgage Monitor, a lender pays the fee broker, and find them very good. Thomas is your man on 0800 988 2000.

To add further I have a mortgage going through with Wooly at the moment and they are sloooooooooooow.

Have alook here Money Saving Expert