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  GaryC - You might find the Co-op Bank would meet your needs. You have to be careful though, being a loan there may be penalties for paying off the existing loan early. Get quotes and compare the costs of a new loan plus carrying on with the old one and a new smaller loan for the extra. You should take into account the terms of the loans as well as replacing the old one mid-term and substituting it with a new one over a longer period can be expensive. Clearly affordability of the payments will be a major factor for you not just the totals paid over the terms of loans. Feel free to bring the details to me to help with comparisons, a freeby of course, as I would not have any commercial risk. Good luck, I do not know your circumstances of course and, I am assuming, a genuine request.
  
  Peter:
  You are certainly right here and some asset managers, more specifically their (and by extension some of my) clients are the victims. But with interest rates being held down too low for too long it fed the housing boom adding to the 'bubble' that has burst so in a way we are all victims and those low interest rates helped no-one. Of course the BoE base rate being too low too long did not help either (Brown's inflation brief!) but we now see it is alleged that BoE executive and Treasury Ministers under Brown are also implicated in what seems to be an ever widening conspiracy.

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