Perhaps you've had a mortgage for a long time and you're still on the standard variable rate that you began with, or you've been forced to revert to the variable rate because your fixed or discount period has come to an end. If so, then here's a little task for you. Have a look for your current lender's website and browse through it. Pretend you're a brand new customer looking for your first ever mortgage.
Many lenders also have a calculator for remortgages.
These aren't for you - they're for new customers who might be thinking of switching over from their current lender. See what comes up when you enter your details in this particular calculator. With lenders fighting for new business, there's a huge range of mortgages on the market. Like it or not, if you're not taking advantage of them, then you will more than likely be subsidising them. How to get started The first thing to do is to decide what type of mortgage you want and do a bit of surfing on the Net to find a few lenders who offer what you're looking for.