Hi Momantai Why not open both (unless you have to pay salary into the accounts). I have a basic account with the Coop. They are slightly more local to me but I rarely need to visit the branch. Their internet banking facilities are excellent...and the same goes for telephone banking. They even allowe...

thanks for the replies. I think my real question is that I will have paid 100% of my original debt by month 58, without a remortgage. To be honest it is unlikely that there is any substantial equity in my property. If there isn't do I still have to continue beyond 5 years and pay the IP costs myself...

My current outstanding debt is £29599.22. I am in month 35. My current payments are £1297 which means the debt is paid at month 58 if the payment is not reduced (not including any bonuses and IP costs). If I choose not to remortgage will I still have to make payments beyond the 5 years. In the agree...

Thank you for this post. I am currently paying £537 more than the agreement (I'm in month 36). I've been concerned about the interest rates going up as I have a tracker interest only mortgage. (I'm also with GT). Seems the advice here is clear and that the payment can be reduced if costs increase.. ...

H Arty I DO know how you feel. Like you I'm 35 months in. It was incredibly hard at the beginning but I've got used to the lower budget, I even manage to save a tiny bit each month for emergencies. But it still feels hopeless for the next 2 years.. My initial payment was £760 a month, that has now b...