Advice on lower interest rates

There are lots of brokers if you search online.

Just as in the UK, rates will vary depending on how much equity you have in the property, or how much deposit you will be putting down; and do you live here? do you work? here or in the UK? Are you a resident? non-resident?

As a general 'rule of thumb', a non-resident purchasing a holiday property will need a deposit of 30-40%, have a good credit score and be able to prove that they can cover the payments - so proof of earnings in the UK, any other mortgages or debts? You also need to allow an additional 12-13% on top of the purchase price to cover taxes & fees.

As in the UK, if you are looking to re-mortgage, a new bank would want to see that you've not missed payments on your current mortgage - and you should also check if there are any early repayment charges on your current mortgage if you pay it off / transfer to a new lender...

Hope this helps!