Our mortgage deal is up for renewal.

[baldy]

I do understand the security Alfie of a fixed rate, thats why we fixed ours for the first five years of buying our current house.

I cannot see mortgage rates changing very much in the next 4-6 years just with the way things are going in this country ie,nearly most working class people being totally skint with loads of debt, and no spending power.

Also now being in a IVA there does seem to be a bit more of help from your IP to make sure your able to balance your budget.

I think with regards to car insurance etc i think we will just have to do alot more searching around to get a fair deal. I always think if you do come across a company who does help people like ourselves in IVA's by offering a good deal its good to post it on the site just to pass the good word!