off to see mortgage advisor.....

payless

I'm assuming already with halifax ...

believe if you do a further advance (FA) , you can then add on existing loan to same rate ...
most FA/ Product Advances have fees & ties ( although there's the 10% penalty free option)

LTV or need for valuation will rely on what Halifax system thinks property is worth.

I believe they usually charge an extra fee ( over the product fee) for frther advances ( although don't know if branches have any leyway)

They seem to have some other 2 yr fixed rates cheaper than those mentioned ( marked as broker only on my sheet).. that said a good broker would also look at other lenders

( although more paperwork for you in a lender change than a product swap)

james3333

broker only?
whats that then?

danjberry

they are products for customers that you can only get if a mortgage advisor introduces you to halifax. The reason they have cheaper rates available is the commission they pay for a broker is cheaper then paying for their internal advisors. Maybe you could try and haggle with the advisor threatening to move on to another lender if they cannot beat the rate they are currently offering you but they could always just say no then you have to come back with your tail tucked between your legs if you are not wiling to move to another lender.

payless

most lenders have the same products for branch, broker, internet, call centre.. but sometimes they might offer different rates thro' certain channels.

I don't think this forum is the correct place to post actual rates, as they may be seen as a recommendation.

payless

they are products for customers that you can only get if a mortgage advisor introduces you to halifax. The reason they have cheaper rates available is the commission they pay for a broker is cheaper then paying for their internal advisors.

in these case I think its more to encourage brokers to consider in house transfers than to go the remortgage route