Re-mortgaging - few questions

[Dr Murdoch]

I'm just about to re-mortgage our property, switching from a variable to a 5 year fixed.

I'm not exactly savvy with money, so I'm unsure if I'm missing something.

The mortgage is £190k, £999 setting up fee and interest set at 3.09%. Does this sound good?

Reason for fixing is that I have two nippers aged 1 and 2, so are a few years away from school and Mrs Murdoch is only part time at the moment (due to the nippers not at school yet). If interests rates were to go up in the next 3-4 yeas it would make things tough.

[Dr Murdoch]

Of course, sorry...

Erm, the house is worth about 500k.

[Dr Murdoch]

I was waiting to find out who the lender was before replying.

Unfortunately my advisor failed to make a meeting with us last night (apparently my e-mail went to his junk items folder, but all previous e-mails from the same address didn't. He didn't think to call? I tried calling him but it went straight to voicemail...)

Anyway, I digress...

I'm now looking for another advisor in south west london (Kingston/Hampton Court) area who may be able to help.

Can anyone recommend someone local to me, as we would like to sit down and discuss rather than talk on the phone/sort via e-mail.