I am currently in a fixed loan until April 2017. I would like to shop around for a better rate than what i'm currently paying. Loan amount is currently 330,000, land only, 85 acres , zoned as rural residential. I earn income off the land sporadically. I eventually would like to build on the land but at the moment I want to pay more off the loan I have. I want to pay interest and principal. Basically I want the best interest rate possible so my repayments are the lowest they can be, I also want to be able to add extra repayments when I can. I prefer no annual fee as well. Is someone able to help me?