I would opt for either the Woolwich product Ian mentions above.

There are no fees on entrance, but a £275 exit fee.

Or, C & G also have a lifetime tracker with £99 entrance fee and no exit fee. If you are moving so soon, that makes C & G slightly the better deal.

Needless to say, C & G are suffering service wise at the moment too.

There are other things to consider, so i would suggest you see a decent broker and get him to do the work - much easier than doing it yourself. You'll probably find all the forms are completed for you as well, which is the biggest headache.

Adrian 

You would be better going for something flexible with no tie ins. However Nationwide dont offer these types of products. If you wanted to stay with Nationwide you could take out another fixed and then port it.  However this is a risk as new underwriting will be done for the porting. If they say no you would have to pay the redemption penalty.

 If I were you id go for something with no tie ins. Woolwich have a good life tracker with no fees at the moment. However their service is bad.

Hi there,

I have a fixed rate  interest mortgage with Nationwide that comes to the end in Jan. It's for 61k. The thing I'm not sure about, is if I get a new mortgae and sell my flat ( hopefully in new year) and then need a new mortgage... should I opt for interest, tracker, or fixed again?

Also, currently just in my name, but other half ( and his wages!) will be needed for next bigger mortgage. Will he ( jointly with me) be eligible for first time buyer rate? and should he be included in the renewal until we move?

I really really don't understand it all! ( amazed I ever got this far!)

Any advice would be appreciated.

Thanks