My circumstances have dramatically changed since I took out my £30,000 offset mortgage 3 years ago and i have no savings now with which to offset my mortgage. I am now looking to find the best deal on the market (not to release cash, merely to reduce my monthly payment) and am struggling to find the best deal for me. My paymnet is currnetly £218.00 per month of which £165.00 is paying off the interest.

I am in fulltime employment and earn approx £28,000 pa. I have no ccjs, defaults etc, but do have 1 late payment against my credit history from 3 years ago.

 Any suggestions please?