Change mortgage terms before drawing down?

sarah69696pink

Hi All,
Don't know if anyone has been in this situation before or has any help / advice they can give?

I have recently applied for a mortgage (house move).

I am sticking with my original mortgage (for current place) and porting it accross and am totally happy with this.

However need to borrow an extra £25k for new place.
I was given two options fixed rate at 5.5% and tracker at 3.99%above boe base rate.

The mortgage guy said it was an easy choice and you guessed I'd go for the tracker - everything was signed etc. And I paid a £599 arrangement fee.

Now I don't want a lecture on just signing things etc - this is very out of character for me, I usually research everything and read everything carefully I was just getting so stressed out and everyone was in a rush about everything so I signed.

However since then I can't stop worrying about if the interest rates rise a lot.
I really wish I had fixed my rate at 5.5% - if I'm working things out correctly the monthly difference is less than £20 (at current rates) and at least I will be secure in knowing the monthly amount.

I just rung HSBC mortgage dept and asked about changing (I have not yet drawn down on the mortgage). At first they said it was no problem, but then they said it had be to done in branch.
They coulnd't get me an appointment for a month....so I pointed out by then I may well have drawn on the mortgage so they said they'd get someone to call me.

Now I am worried:
Is it possible to change at this stage without reapplying and therefore paying another £599 arrangement fee?

Thanks to anyone that can help /advise.