It can seem impossible to get a fair result when you are battling a financial issue alone. But never fear! The AOL Money Fixer is here to help.
When my fixed-rate mortgage with Barclays came to an end recently, I was moved on to the bank's standard rate of 4.99%.
It's actually only slightly higher than the rate I was paying before, but I know there are better deals available and so am thinking about switching to another bank.
However, after 15 years in my current home, I only have about £30,000 left to pay off and hope to be mortgage free within five years.
Is it worth going through the hassle of switching my mortgage when it is so small?
G Smith, London
Dear Mr Smith,
The arrangement fees involved in remortgaging mean it may not be worth switching if you only owe a small amount on your mortgage. However, there are some great deals available at the moment.
HSBC, for example, has a five-year fixed-rate mortgage at just 1.99%, albeit with a £999 arrangement fee.
You could therefore save more than £1,400 by remortgaging, despite the small size of your loan. Probably worth the time it will take to arrange a switch!
Before making a decision, I would nevertheless recommend contacting a fee-free mortgage broker such as London & Country to get some independent advice.
Whatever your financial problem, write to firstname.lastname@example.org and The AOL Money Fixer will get on the case.