Hi Sparky

Thanks for the prompt response and for the advice. I guess with me its always the worry of hindsight !

The credit card, although the amount is high, really isnt worrying me at the moment, I meet the repayments fine, my main worry is my new mortgage. I know what you are saying about using my savings, but with two lads, its always nice to have money in the bank, not counting the expenses of school, both have to have new school uniforms (as my eldest is starting secondary school in two weeks) and have money for a rainy day (usually in my case its always a hurricane) etc I dont get any financial support from my ex wife.

I realistically want to get my mortgage sorted first. I am tempted to move onto Abbey's SVR get the drop in my monthly payments and then switch to repayment, so it kinda balances itself out, a drop but an increase, but as you say, fix at the first sign of increases......

Yes my deal ends on 1st January 2010, so any movement by me now would get me a penalty. Based upon the above what rates would you believe i would be likely to get, its just I am tempted to ring the Abbey, as you can do up to 4 months before your product ends to secure any new rates... and I would like to compare it to any the offer?