Similar situ here, thinking about early next year, but Im worried about house prices, some people say they can only keep going up, others on the other hand think the opposite...
got to get out of the mindset that tells you that house prices going down is a bad thing.
go out and buy the most exspensive house you can afford.
let prices drop like a stone.
now for the same mortgage, swap houses into a far bigger house.
if your income has increased enough, buy another cheap house.
watch prices rise again, as they inevitably will.
sell them both, pocket the cash or pay one or the other off and live there mortgage free.
house prices are as much of a gamble as the stock market, especially when people dont understand that the way to play the house market is in reverse, i.e. make your money when prices drop.
as for mortgage deals, moneysupermarket is as good a place as any to work out the best rates...
Matt