This morning I rang my bank to find out how my mortgage will change once the fixed-rate term expires. Turns out there’s an 80% increase. Holy crap. So, today rapidly became about finding a better deal.

moneysavingexpert.com is my first destination for anything financial, and turned out to have a downloadable remortgaging guide. It recommends that everybody but the most financially savvy use a broker, so I gave London & Country a call. They apparently make their money in referral fees from the banks/building societies involved, so it seems less risky than phoning a random person from the phone book. They’re also able to link into my current bank’s systems to view offers only available to existing customers etc.. Hopefully they’re ok. They’re currently off deal-hunting and have promised to get back to me today/tomorrow.

Obviously fees are going to go up - my fixed rate was 4.3% and the current BoE rate is 5.75% - but hopefully it won’t be too insane. Might have to try and speed up the job applications process, though…