YA Fantasy Novel, ten years old FOUND!

Update: This book was identified by smartycat as John Peel's The Secret of Dragonhome. Thank you!

About ten years ago I read this book, and I can't remember what it was called or who the author was. It was newish when I got it from the library, so we're looking at about a 1999 release date.

It was YA fantasy and the protagonist was female. (That sure narrows it down.) I don't think the author was/is famous/well known. I'm pretty sure it was first person or a close third. I'm a little vague with the details, but bear with me. This girl and her little brother (I think it was a brother. It could have been a sister/close friend) have to leave home because something happens to their parents or it's not safe at home anymore.

Then stuff happens.

Towards the end there's a scene that has stuck powerfully in my head. The girl and whoever's with her end up in this big gloomy castle owned by this guy who has to wear gloves all the time because if he touches somebody he can see their future, and he doesn't much like seeing how people are going to die. He and the girl have this whole "maybe I like you" thing going on, and one day he pulls off his gloves and touches her.

Girl: What did you see?
Guy: This. (He kisses her)
Girl: I told you, I'm not that sort of girl!
Guy: I know I know. But I saw us naked in bed...with wedding bands on. (Which is either very romantic or one of the most cunning ploys to get an unsuspecting girl into bed.)

And that's the only scene I remember. (I know, I'm such a sap. All I remember from so many books are the romantic bits and everything else fades into the background.)

A bit later they have to get on these big flying birds and save the day somehow.

Any of this mean anything to anyone? I know I'm not giving you much to work with! It would make my day if somebody said, Oh that's blah blah by blah, and I could pop over to BookMooch and snag myself a copy.

Thank you!
Re: John Peel's The Secret of Dragonhome. :)
Like whoa, this is totally on my reading list! I should go get it now, it sounds interesting.
I know I know. But I saw us naked in bed...with wedding bands on. (Which is either very romantic or one of the most cunning ploys to get an unsuspecting girl into bed.)

I am so going to use this one.
Wow, I'm blown away! Thanks smartycat! And I can't encourage such dastardly behaviour, bottleimp :)
How awesome that we found it, right? :D Could you please edit your post to state that this book has been found?