I have a small mortgage of £30,000 and an offset mortgage which is inappropriate now as my circumstances have changed and i have no savings with which to offset. My monthly payment is £218 and I can manage that comfortably on my £28,000 salary and am looking for a similar payment over as short a time as possible. If I have any money spare at the end of each month I transfer it onto my mortgage balance which equates to approx £35 extra each month.

Ive been advised to seek a product with little or no fees and consider a tracker or fixed rate mortgage. Please can you advise me of the best rates around at the moment that you feel would benefit me and a mortgage where I can still easily pay the little extra each month if i have the surplus.

 Thanks lots.